ax 

m 


THE  CHRONICLE 


ALMANAC. 


Entered  according  to  Act  of  Congress,  in  tic  year  1877,  by  J.  J.  W.  O’Donoghue.  in  the  Office 
of  tho  Librarian  of  Congress,  at  Washington,  D.  C. 


1878. 


NEW  YORK. 

OFFICE,  145  BROAD  AY  AT. 


2 THE  CHRONICLE  ALMANAC. 


ESTABLISHED  1866. 


THE  CHRONICLE 


A WEEKLY  INSURANCE  JOURNAL, 

Issued  every  Thursday. 


JOHN  J.  W.  O’DONOGHUE, 


Editor. 


OFFICE,  146  BROADWAY,  NEW  YORK. 


Subscription,  Three  Dollars  Per  Year. 


The  Chronicle,  being  issued  weekly,  gives  to  its  readers  the  current  news  of 
the  insurance  business  while  it  is  news. 

In  the  columns  of  The  Chronicle,  from  time  to  time,  will  be  found  varied 
and  practical  information,  valuable  to  the  local  agent  as  to  the  general  agent, 
to  the  local  company  as  to  the  agency  company,  and  instructive  to  the  general 
public  , as  well. 

In  The  Chronicle,  candid,  fair  and  independent  criticism  and  discussion  of 
companies  and  men  as  they  are,  and  of  subjects  as  they  arise,  will  be  made 
when  occasion  occurs  for  such. 

The  Chronicle,  each  alternate  week,  contains  a full  page  cartoon,  picturing 
men  and  events  of  particular  and  general  interest  in  the  insurance  profession. 

In  The  Chronicle,  tables  are  published  once  a month,  giving  the  losses  each 
day  by  fire  in  the  United  States  and  Canadas  ; the  losses  thereby  to  Insurance 
Companies,  the  losses  by  Special  Hazards,  and  the  losses  thereby  to  Insurance 
Companies  ; also,  a detailed  list  of  the  Special  Hazards  burned  and  the  number 
of  each  during  the  month,  with  recapitulations  and  summaries  thereof.  These 
tables  containing  as  they  do,  the  mortuary  statistics  of  risks  are  most  valuable 
to  Insurance  Companies  and  Agents. 

In  The  Chronicle  the  reader  will  continue  to  find  statistical  and  tabular  in- 
formation relating  to  the  various  branches  of  insurance  business,  fire,  life, 
marine,  accident,  &c. 

The  Chronicle  has  been,  and  is,  and  is  to  be,  a live,  independent  and  critical 
newspaper,  proving  all  things  by  the  test  of  truth  and  reason,  and  holding  so 
fast  to  what  is  good  that  it  never  loses  its  grip  ; giving  to  its  readers  each  week 
the  news  of  the  week,  with  appropriate  comments  thereon. 

A child  is  laughed  at  when  it  tries  to  catch  a shadow,  and  yei  grown  persons  grasp  at  and 
capture  but  lit  He  else  in  this  world. 


Irt/l 


THE  CHRONICLE  ALMANAC. 

'3 

s 

A 

fl 

o 

| 

JANUARY,  1878. 

Losses  by  Fires  . 
in  the  United 

a. 

States  each  dny 

0 

1 

o 

>> 

ci 

ft 

tZ 

o 

CHRONOLOGICAL  RECORD  0E  NOTABLE  EVENTS, 

of  January, 
1877.  J 

Total. 

lnsUo’s 

1 

1 

Tu. 

1810 — At  East  Haddam,  Connecticut,  nine  young  ladies  married, 
being  all  who  were  at  that  time  marriageable  in  the  town.  1618— 

Murillo,  the  greatest  of  Spanish  painters,  born.  1801— Union  of 

Great  Britain  with  Ireland. 

$143,600 

$89,000, 

2 

2 

Wd. 

1788 — Georgia  ratified  the  Constitution  of  the  United  States. 

176,100 

116, 200' 

3 

3 

Th. 

1661 — First  appearance  of  women  on  the  English  stage. 

259,500 

117,300 

4 

4 

Fr. 

1784 — Treaty  signed  between  United  States  and  Great  Britain  ; 

235,500 

114,900, 

by  which  the  latter  relinquished  her  right  to  the  sovereignty  of 
the  colonies. 

5 

5 

Sat. 

1855— The  Victoria  bridge  across  the  river  St.  Lawrence,  carried 
away  by  the  ice. 

162,500 

92,600 

1 

6 

6 

Sun 

1402 — Joan  of  Arc,  born.  1841 — Great  freshet  in  the  Hudson, 

119,500 

72,500 

7 

7 

Mo. 

1782 — The  Bank  of  North  America — the  first  regularly  established 
bank  in  America — opened  for  business  in  Philadelphia. 

116,900 

55,900 

| 

8 

8 

Tu. 

1815 — Battle  of  New  Orleans.  1642 — Galileo  Galilei  died,  aged  78 

225,800 

118,400 

9 

9 

Wd. 

1788 — Connecticut,  the  fifth  State  which  adopted  the  Constitution. 

174,900 

113,600 

10 

10 

Th. 

1776— The  New  Hampshire  convention  dissolved  itself,  and  assumed 

139,400 

96,000 

legislative  powers,  chose  twelve  councillors,  as  an  executive  branch, 
and  delegates  to  Congress,  which  were  recognized.  1791 — Vermont, 

last  of  the  original  States,  adopted  the  Constitution. 

11 

11 

Fri. 

1775 — First  Provincial  Congress  of  South  Carolina,  met  at  Charleston 

111,800 

61.300 

12 

12 

Sat. 

1807 — At  Leyden,  Holland,  a ship  containing  40,000  pounds  of  pow- 

150,900 

98,800 

der,  blew  up.  Over  200  buildings  destroyed,  150  persons  killed,  200 
wounded. 

13 

13 

Sun 

1817 — The  ship  Gcorgiana,  of  Norfolk,  experienced  a tremendous 
shock  in  the  Gulf  Stream,  supposed  to  be  an  earthquake;  the  day  was 
calm. 

249,700 

178,500 

14 

14 

Mo. 

1784 — Definitive  treaty  of  peace  ratified  with  Great  Britain. 

178,000 

107,900 

15 

15 

Tu. 

1777 — Vermont  declared  itself  a free  and  independent  State. 

167,700 

92,400 

16 

16 

Wd. 

1782— Daniel  Webster  born.  1816— Schuylkill  Falls  bridge  fell. 

161,300 

115,500 

1580 — The  English  Parliament  passed  an  act  inflicting  a penalty  of  £20 
for  absenting  from  church. 

17 

17 

Th. 

1817— At  Philadelphia  and  Albany,  the  singular  phenomena  of 

153,400 

65,000 

snow,  clear  weather,  rain,  snow,  thunder  and  lightning,  hail  and 
snow,  observed  in  rapid  succession. 

! 

18 

18 

Fri 

1781— Soldiers  of  the  United  States  revolt. 

98,700 

49.300 

19 

19 

Sat. 

1796 — The  brass  coffin  containing  the  remains  of  Columbus,  and 
the  chains  with  which  he  had  been  loaded  at  Cuba,  were  removed 
from  San  Domingo  to  Havana. 

153,400 

93,000 

20 

20 

Sun 

1783 — Independence  of  the  U.  S.  acknowledged  by  Great  Britian. 

223,800 

154,500 

21 

21 

Mo. 

1793 — Louis  XIV  beheaded  at  Paris,  aged  38. 

99,300 

62,300 

22 

22 

Tu. 

1265 — First  English  parliament  constituted  by  members  from 
oounties  met. 

102,700 

63,000 

| 

23 

23 

Wd. 

1841 — First  conviction  and  capital  sentenoe  of  a female  at  Phila- 
delphia. 

182,000 

120. 600^ 

24 

24 

Th. 

1779 — Lafayette  returned  to  France. 

156,000 

107,900 

25 

25 

Fri. 

1759 — Robert  Burns  born. 

251  700 

124,600 

26 

26 

Sat. 

1823 — Dr.  Jenner,  celebrated  for  having  introduced  the  practice 
of  vaccination,  died.  1837 — Michigan  admitted  to  the  Union. 

454,000 

239,700 

27 

27 

Sun 

1696— The  first  great  ship  built  in  England,  the  Royal  Sovereign, 

151,700 

96,500 

burnt;  the  levies  of  money  for  building  this  ship  caused  a rebel- 

28 

28 

Mo. 

1858 — Thomas  Carn  died  in  London,  aged  207;  his  age  said  to  be 
well  authenticated. 

242,600 

207,000 

29 

29 

Tu. 

1861 — Kansas  admitted  into  the  Union.  1820 — George  III,  King  of 

England,  died. 

98,900 

41,000 

30 

30 

Wd. 

1834 — Attempt  to  assassinate  Pres’t  Jackson,  by  Richard  Laurence. 

113,900 

75,000 

31 

31 

Th. 

1574 — Ben.  Johnson  born.  1606— Guido  Fawkes  of  gunpowder 

plot  fame  executed. 

105,502 

53,000 

INSURANCE  STATISTICS  FOR  JANUARY,  1877. 

FIRE.  | LIFE. 

Lobb  by  Special  Hazards  during  month,  $3,525,300  | Number  of  Life  Insurance  Policies 
Lobs  to  Ins.  Companies  by  Specials,  . 1,975,300  1 that  became  claims  during  month. 
Total  Loss  by  Fires  during  month,  . 5,360,300  Amount  paid  by  Life  Ins.  Companies 

900 

Total  Loss  to  Ins.  Cos.  during  month,  3,191,900  j for  death  claims  during  month,  . $2,470,187 

Where  the  eyes  sav  one  thing  and  the  tongue  another,  a practiced  man  relies  on  the  language 

of  the  first.  If  the  man  is  cff  his  centre  Lis  eyes  show  it. 

? 29393 


THE  CHRONICLE  ALMANAC. 

NIAGARA 

Fir©  Insurance  Company, 

No.  201  BROADWAY,  NEW  YORK. 

CASH  ASSETS  - - $1,442,445.50. 


Statement,  January  1st,  1877. 


Cash  Value  of  Assets,  .....  $1,4-4-2,445.50 

ASSETS. 


United  States  Bonds,  Market  Value, 
State  and  City  Bonds,  “ “ 

Loan*  secured  by  Bond  and  Mortgage 
Loans  on  Demand,  with  Collaterals 
Real  Estate  .... 
Premiums  in  course  of  Collection 
Cash  in  Bank  and  Office 


$699,600.00 

250.591.00 

133.401.00 

180.655.00 
14,000.00 
97,342,00 

66,856.50  $1,442,4-4-5.50 


LIABILITIES. 


Capital  Stock 

Reserve  for  Reinsurance 

Unpaid  Losses  and  all  other  Liabilities 

Net  Surplus  .... 


500,000.00 

341.401.00 
94,107.50 

506.937.00  $1,442,445.50 


HENRY  A.  HOWE, 

President. 

P.  NOTMAN, 

Vice-President  and  Secretary. 


Central  Department — For  States  of  Ohio,  Indiana,  Kentucy,  Tenessee  and  West  Virginia. 
Messrs.  SNIDER  <&  LINDSEY,  Managers,  CINCINNATI,  Ohio. 
Northwestern  Department — For  States  of  Illinois,  Wisconsin,  Minnesota,  Iowa,  Miss  'uri, 
Nebraska,  Kansas  and  the  Territories.  Messrs  BEVERIDGE  <£  HARRIS,  Manag's  CHICAGO. 
L.  R.  MORRIS,  Manager,  State  of  Michigan. 

Truth  fears  nothing  but  concealment. 


THE  CHRONICLE  ALMANAC.  5 


FEBRUARY,  1878. 


CHRONOLOGICAL  RECORD  OF  NOTABLE  EVENTS. 


Losses  1)7  Fires 
in  the  United 
States  each  day 
of  February, 
1S77. 


23.  Sat. 
24  Sun 
25 1 Mo. 
26  Tu. 


1708— Captain  Rogers  discovered  Alexander  Selkirk  (Robinson  Cru- 
soe) on  the  Island  of  Juan  Fernandez,  where  he  had  lived  lour  years. 

1653 — New  York  City  incorporated.  1770 — Tom  Paine  died. 

1783 — . he  ratification  of  the  preliminary  articles  of  peace  ex- 
changed at  Paris 

1783 — Cessation  of  hostilities  between  England  and  America — 
revolutionary  war  concluded.  1791 — Kentucky  admitted  to  the 
Union.  1814 — Ico  formed  on  the  Thames  at  London,  aud  a fair  was 
hel  l on  it  for  eight  days. 

1783 — Massachusetts  joined  the  Union,  being  the  sixth  State.  1847 
—Suspension  of  specie  paymen  s by  the  Penn.  Bank  of  the  U.  S., 
followed  by  that  of  nearly  all  other  banks  in  the  country. 

1756— Aarou  Burr  born  at  Newark,  N.  J.  1777 — Great  Britain 

granted  lett-  rs  of  marque  and  reprisal  against  America.  1778— 
New  York  acceded  to  the  confederation. 

1451 — The  Jews  place  the  dea  h of  M ses  on  this  day. 

1724— Peter  the  Great,  Emperor  of  Russ  a,  died.  1820 — George 
Cowley,  colored  doorkeeper  of  the  capitol  at  Richmond,  Va.,  died,  aged 
125  years. 

1764 — The  city  of  New  York  surrendered  to  the  British  by  the 
Dutch  Governor,  Anthony  Colve. 

1773 — James  Fartho  i died  at  Grenada,  West  Indies,  aged  127  years. 
1786 — Cardinal  de  Solis,  Andalusia,  Spa  n.  died,  aged  110  years.  1807 
— The  British  House  of  Lords  abolished  slavery. 

1828 — De  Witt  Clinton  die  l in  Albany,  aged  59  years. 

1747 — Kosciusko,  the  Polish  patriot,  born. 

1727 — Cotton  Mather  died,  aged  69  years. 

1779 — Captain  James  Cooke,  the  Engl  sh  navigator,  killed  by  the 
natives  of  Owhyhee.  1780 — William  Blackst  ne,  author  of  “ Com- 
mentaries on  the  Laws  of  England,”  died,  aged  57.  1859 — Oregon 
admitted  as  a state  into  the  Union. 

1793— Rome  d dared  a Republic. 

1852— Homoeopathic  College,  Cleveland,  mobbed  and  destroyed. 
Cause:  body-snatching. 

1835 — Five  volcanoes  burst  simultaneously  in  Central  America, 
destroying  three  towns  and  many  villages. 

1546 — Martin  Luther  died  at  Wittemberg,  aged  63  ye^rs.  1791 — 
Vermont  joined  the  Union.  1815 — Treaty  of  peace  between  England 
aud  America  ratified. 

1821 — Florida  ce  ed  to  the  United  States  by  Spain. 

1846 — The  fir<t  Legislature  of  Texas  under  the  United  States,  met 
at  Austin.  1810 — Andrew  Hofer,  leader  of  the  Tyrolese  insurrec- 
tion, ex  cut^d. 

1845 — Sydney  Smith  died  in  London,  aged  74  years. 

1630 — The  first  Thanksgiving  day  in  Massachusetts.  1770 — Chris- 
topher Snyder,  a boy  of  11  years,  first  martyr  to  American  liberty, 
killed  in  Boston  by  Richardson. 

1840 — James  Maury,  first  American  Consul  to  Liverpool  died,  aged 
95  years.  1848 — John  Quincy  Adams  died  at  Washington,  age  1 72. 

1852 — Daniel  Kennison,  the  last  of  the  Boston  tea  party,  died  at 
Chicago,  aged  117  years. 

1732 — Denmark  acknowledged  the  independence  of  the  United 
States. 

1823 — John  Philip  Kemble,  tragedian,  died,  aged  63  years.  18514- 
General  Jacks  n’s  sword  presented  to  Congress.  1357— Minnesota 
admitted  as  a State. 

1797 — B nk  of  England  suspend  ed  specie  payment. 

1795—500  emigrant  sleighs  p isse  l through  Albany  on  their  way  to 
Genesee  County,  N.  Y.  1837 — Adam  Binckley,  a Revolutionary 


$97,100 

$54,800 , 

96,000 

91.70J 

53.000 

67.000 

186,600 

122,300 

118,300 

89,300 

79,900 

71,109 

131.800 

229,000 

72.100 

125,400 

110,400 

63,500 

115,200 

53,109 

91,000 
179  200 

225.000 

093.000 

42,309 ! 
99.303 ! 

124.603 

123.603 

1 

133,800 

164,100 

77,600 
93,900  | 

149,600 

125,100  ^ 

393,400 

I ' '03 

214.100 

130,600 

99,300 

62,800 

129,100 

212,200 

66.200 
100,903  j 

65,400 

35,700  | 

92,500 

59,000 

492,200 

252,500 

70,400 

43,409 

122.700 

103,900 

I 

78,509 

76,103 

INSURANCE  STATISTICS 
FIRE. 

Loss  by  Spec!  Hazards  during  month,  $2,753,800 
Loss  to  Ins.  Companies  oy  Specials. . . 1.505,500 

Total  locs  by  fires  during  month 4.46-1,400 

Total  loss  to  Ins.  Co’s  duriug  month,  2,487,200 

FOR  FEBRUARY,  1877. 

LIFE. 

Number  of  Life  Insurance  Policies 
that  became  claims  during  month,  853 

Amount  paid  by  Lif ) ins.  Companies 
lor  death  cl  xims  during  month $2,188,45-3 

When  a noblo  coed  i3  done,  who  is  likely  to  appreciate  it  ? Those  who  are  noble  themselves. 

6 THE  CHRONICLE  ALMANAC. 


THE  UNITED  STATES  LIFE 

INSURANCE  COMPANY, 

IN  THE  CITY  OF  NEW  YORK. 

Nos.  261,  262,  263  BROADWAY. 


Organized  1850 


Assets,  $4,827,176.52.  Surplus,  $820,000. 


EVERY  APPROVED  FORM  OF  POLICY  ISSUED  ON 
MOST  FAVORABLE  TERMS. 


ALL  ENDOWMENT  POLICIES  AND  APPE0VED  CLAIMS 
Maturing  in  ’77  and  ’78,  will  be  DISCOUNTED  at  7 per  cent. 

ON  PRESENTATION. 


JAMES  BUELL,  President,  C.  P.  FEALEIGH,  Secretary, 

T.  BEOSNAN,  Superintendent,  G.  H.  BUEFOED,  Actuary, 

A.  WHEEL  WEIGHT,  Ass’t  Sec’y,  A.  H.  BUCK,  Med.  Director, 

C.  H.  MILLEE,  Cashier. 

Opinions  expressed  by  Insurance  Commissioners  in  December  1876,  in 
regard  to  the  United  States  Life  Insurance  Company : 

Hon.  STEPHEN  H.  EHODES,  Commissioner  of  Massachusetts : 

“ It  is  sound  to  the  core,  and  in  a very  creditable  and  flourishing  condition." 

Hon.  JOHN  W.  STEDMAN,  Commissioner  of  Connecticut: 

“ It  is  sound  because  it  is  and  has  been  managed  by  able  and  honest  men." 

Hon.  WM.  SMYTH,  Commissioner  of  New  York: 

“ Their  investments  are  in  the  most  compact  form  and  are  unexceptionably  good." 

Hon.  JOHN  A.  McCALL,  Jr.,  Deputy  Superintendent  New  York  Insurance 
Department: 

“ The  examination  was  as  close  and  unsparing  in  every  particular  as  we  could  make  it, 
and,  as  it  turned  out,  was  so  much  the  better  for  the  United  States  Life,  which,  being 
perfectly  sound  and  remarkably  prosperous,  had  everything  to  gain  and  nothing  to  lose  by 
the  most  minute  and  penetrating  scrutiny  and  public  exposition  of  its  real  condition, 
strength  and  standing.” 


A lady  who  delights  in  analyzing  feelings  and  emotions  met  a poor  sailor  who  had  suffered 
shipwreck,  asked  him  compassionately  ; “ How  did  you  feel,  my  dear  man,  when  the  cold 
waves  broke  over  you  ?”  “ Wet,  ma’an,  very  wet." 


THE  CHRONICLE  ALMANAC. 

7 

i 

£ 

| 

3 

al 

£ 

MARCH. 

, 1878. 

Losses  by  Fires 
in  the  United 
States  each  day 

O' 

c3 

Q 

o 

a 

0 

1 

CHRONOLOGICAL  RECORD  OF  NOTABLE  EVENTS. 

of  March, 
1877. 

60 

1 

Fri. 

1781— Maryland  entered  the  Union,  being  the  last  State  to  do  so. 

Total. 

$346,500 

Ins  Co’s 

$183,000 

61 

2 

Sat. 

1867 — Nebraska  admitted  to  the  Union. 

1728— Johnson  and  Garrick  started  from  Litchfield  to  London  as 

98,100 

18,200 

62 

3 

Sun 

adventurers,  the  former  having  2>£d  and  the  latter  something  less. 
1841 — The  first  daily  paper  started  in  Brooklyn.  1821 — Missouri 
admitted  to  the  Union. 

1634 — First  colony  of  200  Roman  Catholics  arrived  at  Potomac  for 

71,600 

38,900 

63 

4 

Mo. 

the  settlement  of  Maryland,  under  Lord  Baltimore.  1845— Florida 

admitted  into  the  Union.  1845 — Iowa  admitted  to  the  Union.  1847 — 
Wisconsin  admitted  to  the  Union.  1820 — Maine  admitted  to  the  Union. 
1681— Charter  of  Pennsylvania  signed  by  Charles  II.  1789— First 

699,900 

603,200 

64 

5 

Tu. 

U.  S.  Congress  assembled  at  New  York.  1856 — The  Free  State  Legis- 

lature of  Kansas  assembled  at  Topeka. 

1770 — Massacre  at  Boston. 

79,900 

56,000 

65 

6 

Wd. 

1854 — Block  of  marble  sent  by  the  Pope  as  a contribution  to  Wash- 

842,100 

83,900 

66 

7 

Th. 

ington’s  monument,  secretly  destroyed  at  night. 

1781 — A British  soldier  jumped  over  the  Palisades  at  Gibraltar,  and 

192,000 

110,100 

67 

8 

Fri. 

succeeded  in  reaching  the  Spanish  lines,  waving  his  hat,  although 
1,143  musket  balls  were  fired  at  him. 

1766 — Bill  repealing  American  Stamp  Act  received  the  Royal  assent. 

237,300 

145,900 

68 

9 

Sat. 

1834 — First  snow  in  240  years  fell  at  Rome. 

89,500 

53,800 

69 

10 

Sun 

1683 — First  Assembly  of  Pennsylvania  met  at  Chester.  1797 — 

115,300 

70,200 

70 

11 

Mo. 

Albany  made  Capital  of  New  York  State. 

1797— Ladies  Buckingham,  Luttrell  and  Stewart  fined  for  playing 

275,100 

177,600 

71 

12 

Tu. 

faro  in  London,  on  evidence  of  discharged  servants. 

1612 — Third  Charter  of  Virginia  granted.  1664 — New  York,  New 

85,500 

58,700 

72 

13 

Wd. 

Jersey  and  Long  Island  granted  to  Duke  of  York,  by  his  brother, 
Charles  II. 

1798 — A hairdresser  at  Newport,  Eng.,  died  from  gluttony,  for  which 

275,200 

193,500 

73 

14 

Th. 

he  was  buried  in  the  highway. 

1813 — Red  snow  and  hail,  with  red  rain  and  dust,  fell  in  Tuscany. 

63,500 

43,100 

74 

15 

Fri. 

1855 — Suspension  Bridge,  Niagara  Falls,  crossed  first  time  by  a train. 
1820 — Maine  entered  the  Union. 

229,600 

99,500 

75 

16 

Sat. 

1680— First  Assembly  of  New  Hampshire  met  at  Portsmouth.  1691 

111,200 

40,900 

76 

17 

Sun 

— Execution  of  Jacob  Leisler,  Governor  of  N.  Y.,  by  malcontents. 
1802— Military  institution  established  at  West  Point. 

1808— Rupture  of  negotiations  at  Washington  between  the  British 

70,200 

27,800 

77 

18 

Mo. 

Minister  and  the  American  Government. 

1754 — First  theatre  established  in  New  York  closed.  1780— Con- 

270,400 

120,300 

78 

19 

Tu. 

gress  resolved  to  burn  all  Continental  money  and  issue  $10,000,000 
new  money,  redeemable  in  specie  in  six  years. 

1719— Extraordinary  meteor  seen  in  Great  Britain  about  8 P.  M.,  its 

94,700 

55,200 

79 

20 

Wd. 

light  exceeding  that  of  the  sun  at  noonday. 

1727 — Isaac  Newton,  philosopher,  died,  aged  84  years. 

107,800 

66,100 

80 

21 

Th. 

1845 — Benjamin  Bushe  died  at  Greensport,  Vt.,  aged  115  years. 

99,600 

71,000 

81 

22 

Fri. 

1832 — Goethe  died,  aged  83.  1864- 

-Nevada  admitted  to  the  Union. 

138,800 

59,000 

82 

23 

Sat. 

^ 1776— Congress  issued  letters  of  marque  and  reprisal  against  Eng- 

213,000j 

, 91,900 

83 

24 

Sun 

1782 — Spain  acknowledged  the  independence  of  the  U.  S. 

217,400 

99,300 

84 

25 

Mo. 

1691 — Printing  ordered  to  be  introduced  into  New  York.  1751 — 

122,700 

73,900 

85 

26 

Tu. 

The  vear  made  to  commence  on  Jauuary  1st,  in  England. 

1699 — A whale,  56  feet  long,  killed  in  the  Thames. 

75,800 

42,700 

86 

27 

Wd. 

1809 — Eruption  of  Mount  iEtna. 

217,700 

115,900 

87 

28 

Th. 

1799 — New  York  passes  a law  for  the  gradual  abolition  of  slavery. 

204,500 

111,100 

88 

29 

Fri. 

1783— A hill,  500  feet  in  height,  carried  tour  miles  by  the  great 

232,700 

140,800 

89 

30 

Sat. 

Calabrian  earthquake.  1794— J.  B.  V.  Guillotine,  supposed  inventor 
of  the  guillotine,  beheaded  at  Lyons,  with  his  own  invention. 

1638 — New  Haven,  Conn.,  first  settled.  1834— Rudolph  Acker- 

260,200 

148,100 

90  31 

Sun 

man,  who  first  introduced  lithography  and  gas  into  London,  died. 
1851 — John  C.  Calhoun  died,  aged  68. 

155,900 

77,300 

INSURANCE  STATISTICS  FOR  MARCH,  1877. 

FIRE.  1 LIFE. 

Loss  by  Spec’l  Hazards  during  month.  $4,421,500  Number  of  Life  Insurance  Policies 

Loss  to  Ins.  Companies  by  Specials  . . 2.624,400 

I that  became  claims  during  month. 

1,022 

'j  otal  Loss  by  fires  during  month 6,293,700  1 

1 Amount  paid  by  Life  Ins.  Companies 

Total  loss  by  Ins.  Cos.  during  month,  3,979.900  1 

1 for  death  claims  during  month $2,610,043 

What  is  the  difference  between  a gaoler  and  a jeweler?  One  watches  cells  and  the  other  sells 

| watches. 

THE  CHRONICLE  ALMANAC. 


1825. 


THE 


1877. 


Pennsylvania  Fire 

INSURANCE  COMPANY 

OF  PHILADELPHIA. 

510  WALNUT  STREET. 


CAPITAL  paid  in  Cash, 


$400,000.00 


Reserve  for  all  Liabilities, 

(Including  Reinsurance,  702, 910. 55 


Net  Surplus, 

Total  Assets, 


508,988.60 

$1,671,899.05 


DIRECTORS: 


John  Devereux, 
Isaac  Hazlehurst, 
Thomas  Smith. 

J.  Gillingham  Fell, 


Daniel  Smith,  Jr. 
Thomas  Robins, 
Henry  Lewis, 

Daniel  Haddock,  Jr. 


Franklin  A.  Comly. 


JOHN  DEVEREUX, 
WM.  G.  CROWELL,  . 
JOHN  L.  THOMPSON, 


President. 

. Secretary. 

Asst-Sec’y. 


It  is  always  wise  to  prepare  for  the  season’s  business  by  judicious  use  of  printer’s  ink.  An 
announcement  in  the  newspaper  helps  trade  wonderfully.  Try  it  and  see. 


THE  CHRONICLE  ALMANAC.  9 


£ 

g 

S 

04 

£ 

APRIL,  1878. 

Losses  by  Fires 
in  the  United 
States  each  day 

o 

cj 

Q 

o 

Q 

o 

E? 

P 

CHRONOLOGICAL  RECORD  OF  NOTABLE  EVENTS. 

of  April, 
1877. 

I'OoJi'.  . 

.m.Co'K 

91 

1 

Mo 

1764 A girl,  aged  13,  burned  at  Monmouth,  for  murdering  her 

mistress,  tuis  being  the  last  ex  cution  by  burning  in  England.  1789 
— Congress  first  meets  un  ter  <•  ed  :ral  Constitution. 

1743_Thomas  Jefferson,  third  President  of  the  United  States, 
born. 

$211,300 

$99,600 

92 

2 

Tu. 

111,100 

77,600 

1 

93 

3 

Wd 

1763— All  gibbets  ne  ir  London  secretly  cut  down. 

142,900 

85,500 

94 

4 

Th. 

1704- -Boston  i\em-Letter,  first  paper  in  the  U.  S . appeared.  1774 

— Oliver  Goldsmith  d ed,  aged  46.  1841— President  Harrison  died 
at  Washiu-tou,  aged  09  years. 

401,300 

214,700 

95 

5 

Fri. 

1330— The  bill  to  remove  tho  civil  disabilities  of  the  Jews  intro- 
duced into  the  Eriiisii  Parliameut.  175J — The  first  Turkish  ship 
arrived  at  London. 

66,400 

39,800 

9G 

G 

Sat. 

1353— Constitution  of  the,  nev  State  of  Deseret  established  by  a 
peoples’  co  ivem  iou  at  Sait  Lade  City,  Utah. 

202,600 

149,300 

97 

7 

Sun 

1334—  Dublin  Castle,  Ireland,  burned.  1783— Ohio  first  settled 

at  Marietta  by  a colony  from  New  England. 

121,600 

67,100 

93 

8 

Mo. 

1333— Drury  Lane  theatre  issued  first  play-bill,  play  commencing 
at  3 P.  M.  1812 — Louisiana  entered  the  Union.  1379 — Bosnia,! 
Italy,  suddenly  sunk  into  the  car  li;  200  persons  jierished. 

| 172,300 

91,800 

99 

9 

Tu. 

1643— Abaltiou  of  holydayn  created  an  insurr  ■etio.i  in  London. 

1 143,700 

58,300 

100 

10 

Wd. 

1653— Oliver  Cromwed,  having  turned  out  the  Tory  Parliament, 
locked  the  door  t upon  them  1816— Bank  of  tho  U.  S.  incorporated 
by  Congress  with  a capital  of  $35,000,  00. 

335,300 

152,200 

101 

11 

Th. 

1783— First  Commencement  of  Columbia  College,  N.  Y.  1317 — 
At  Dartm  or,  Eng.,  a man  publicly  soid  his  wife,  w.th  a rope  around 
her  neck,  to  her  first  lover,  lor  tw  > guineas. 

929,100 

528,800 

102 

12 

Fri. 

1733  —The  first  power  loom  worke  i in  Philadelphia. 

200,400 

107,100 

103 

13 

Sat. 

1783— Great  riot  i i hew  York,  occasioned  Ly  body-snatching.  1850 
Pope  Pius  IX.  Jeturned  to  ltome. 

154,800 

66,200 

10, 

14 

Sun 

1795 — First  boat  passed  through  the  locks  and  canals  of  Merrimao 

river. 

233,500 

100,700 

105 

15 

\lo. 

1791 — First  corner  stone  laid  in  District  of  Columbia,  at  Jones’ 
Point.  1323— Michofsky,  a Kussiau  farmer,  died  at  Pleseow,  aged 
165  years.  1363 — President  Liu  min  a isas  iaated. 

74,000 

29,700 

103 

16 

Tu. 

1631— Province  cf  New  Jersey  off.-r  df  r sale  at  $25,000. 

149,100 

70,000 

107 

17 

Wd. 

1784— Universal  religious  equality  created  by  law  in  New  York. 
183  »— The  black  Sea  opene  1 1 > American  v ssels. 

78,700 

43,800 

103 

18 

Th. 

1833 — New  York  General  B inking  Law  enacted. 

225,901 

195,700 

100  19 

i 

Fri 

1732--Ho’.land  acknowledged  the  independence  of  the  United  States. 
1824 — Lord  Byron  die  1 in  Greece,  aged  33. 

126,400 

67,800 

110 

20 

Sat. 

1777 — First  Constitution  of  N.  Y.  State  adopted.  1833— A meteoric 

shower  observe  1 at  Knoxville,  Term. 

83,600 

57,100 

in 

21 

Sun 

1813— New  York  State  Eibr  iry  established. 

116.200 

64,200 

112 

22 

Mo. 

1850— The  last  publication  of  the  banns  of  marriage,  in  Massa- 
chusetts. 

133,000 

68,200 

113 

23 

Tu. 

1833 — The  then  largest  steam  packets.  Great  Western  and  Sirus, 
arrive  Tin  New  York,  forming  a new  era  in  navigation. 

75,100 

43,100 

114 

24 

Wd. 

1775 — John  Quincy,  Jr.,  d.e  1,  agud  31  years. 

111.900 

53,100 

115 

25 

Th. 

1792— The  first  cr  initial  ex  *cution  by  the  guillotine,  in  Franco. 
1849— The  Parliament  House  and  Library  burned  by  a mob  at  Mon- 
treal. 

143,000 

69,700 

116 

26 

Fri. 

1331 — Impris  nment  for  debt  abolished  in  New  York. 

187,000 

124  GOO 

117 

27 

Sat. 

1850 — The  Atl mtic,  first  steamer  of  the  Collins’  line,  sailed  for 
Liverpool. 

63,400 

41,200 

118 

28 

Sun 

1797 — Robert  Park  r hangid  for  burglary,  at  Knoxville,  Tenn. 

59,500 

33,900 

119 

29 

Mo. 

1327 — Rufus  King  died,  aged  72  years. 

303,300 

145,500 

120 

30 

Tu. 

1637— The  Purit  ms  forbid  by  It  yal  Proclamation  to  emigrate  to 
N-w  England.  1816 — V soot  on  the  sun  visible  with  the  naked  c-  c 
at  Phila  lelphia.  1354— The  first  railroal  opened  in  Brazil.  1802 
— Ohio  a Emitted  to  the  Union. 

117,300 

84,200 

INSURANCE  STATISTICS  FOR  APRIL,  1377. 

FIRE.  I LIFE. 

LossbySpec’l  Hazards  during  month,  $3,585,000  Number  of  Life  Insurance  Policies 

Loss  to  Ins.  Companies  by  Specials  . . 1 084,000  1 tiiat  became  claims  during  month.  998 

j otal  Loss  by  fires  during  m nth 5,433,200  Amount  p lid  by  Life  Ins.  Companies 

Total  loss  by  Ius.  Cos.  during  month.  3,341,700  I for  d°ath  'dai  r.s  during  month ....  $2,510,537 

AVe  do  not  choose  our  own  parts  in  life,  and  have  notuiug  to  do  with  these  parts.  Our  simple 
duty  is  confined  to  playing  them  well. 


io  THE  CHRONICLE  ALMANAC. 
THE 

LI7ERP00L  AND  LONDON  AND  GLOBE 

INSURANCE  COMPANY. 


G a pita  l Paid  up,  $ 7, 228, 200. 00. 


Fire  Assets,  • • $7,963,556.20 

Fire  Liabilities,  • • 2,841,420.33 

Fire  Surplus,  • • $5,122,135  87 


Assets  in  the  United  States,  $3,652,063.33 
Liabilities,  “ “ 1,837,396.44 

Surplus,  • • $1,814,666.89 

'NEW  YORK  OFFICE; 

Ho.  45  WILLIAM  ST.,  N.  Y. 

Resident  Manager,  . . J.  E.  PULSFORD. 

Assistant  Manager,  . . ARTHUR  PELL. 

Deputy  Ass’t  Manager,  . CHARLES  SEWELL. 


Use  what  talent  you  possess.  The  woods  would  be  very  silent  if  no  bird  sang  there  but 
those  who  can  sing  best. 


r 


THE  CHRONICLE  ALMANAC.  n 


g 

{* 

o 

& 

ft 

|Day  of  Month.  | 

|Day  of  Week,  j 

MAY,  1878. 

Losses  by  Fires 
in  the  United 
States  each  day 
of  May, 

1877. 

CHRONOLOGICAL  RECORD  OF  NOTABLE  EVENTS. 

Total. 

Ins.  Co’s 

121 

1 

Wd. 

1830 — The  Comet  started  on  her  first  trip  up  the  Arkansai,  being 

$247,000 

$134,800 

the  first  steamboat  that  ascended  that  river. 

122 

2 

Th. 

1856 — Charles  Sumner  savagely  assaulted  in  the  U.  S.  Senate  by 

211,900 

82,600 

Senator  Preston  Brooks,  for  speaking 

against  slavery. 

123 

3 

Fri. 

1810 — Lord  Byron  swam  the  Dardanelles  lrom  Abydos  to  Sestos. 

212,900 

116,100 

124 

4 

Sat. 

1872— Horace  Greeley  nominated  for  the  Presidency  by  the  Cincin- 

285,700 

131,700 

nati  Convention. 

125 

5 

Sun 

1776 — Congress  declared  the  authority  of  England  over  the  Thir- 

171,500 

73,200 

teen  Colonies  abolished.  1821 — Napoleon  Bonaparte  died  at  St. 

Helena,  aged  52  years. 

126 

6 

Mo. 

1844 — Fearful  riot  at  Philadelphia. 

202,800 

119,400 

127 

7 

Tu. 

1872— Chief  Justice  Chase  died,  aged  65  years. 

58,600 

35,300 

128 

8 

Wd. 

1816 — First  U.  S.  Ship-of-the-line,  the  Washington,  74  guns  put  to 

99,200 

47,300 

sea.  1848— Hail  storm  in  Charleston,  S.  C.,  some  stones  being  7% 

inches  in  circumference. 

129 

9 

Th. 

1805 — Frederick  Schiller,  the  German  dramatist,  died,  aged  46 

179,300 

99,700 

130 

10 

Fri. 

* 1649— Society  formed  in  Massachusetts  against  wearing  long  hair. 

156,900 

78,900 

1837 — All  the  New  York  City  banks  stopped  specie  payment.  1849 

— The  Macready-Forrest  riot  occurred  in  New  York. 

131 

11 

Sat. 

1778 — William  Pitt,  the  English  statesman  died,  aged  70  years. 

105,300 

56,300 

132 

12 

Sun 

1621 — The  first  marriage  occurred  in  the  colony  of  Plymouth 

133,200 

96,600 

133 

13 

Mo. 

1781 — Roger  Byrne,  the  Irish  giant,  8 ft.  high,  and  weighing  578 

509,800 

443,000 

pounds,  died.  1835 — Elizabeth  Cook,  wife  of  Captain  Cook,  the 

circumnavigator,  died  at  London,  aged  94. 

134 

14 

Tu. 

1731 — Boundary  line  between  New  York  and  Connecticut  settled. 

268,900 

173,500 

1826— Sing  Sing  prison,  N.  Y.,  commenced. 

135 

15 

Wd. 

1775 — Congress  resolved  to  issue  paper  money.  1847 — Daniel 

175,700 

92,000 

O’Connell,  Irish  statesman,  died  at  Genoa,  aged  71  years.  1855 — The 

Universal  Industrial  Exhibition  opened  at  Paris  by  Louis  Napoleon. 

136 

16 

Th. 

1838 — New  York  State  Bank  resumed  specie  payments. 

245,900 

80,700 

137 

17 

Fri. 

1841 — 250  feet  of  the  defences  of  Quebec  fell,  killing  thirty  persons 

202,400 

103,700 

and  ruining  several  buildings. 

138 

18 

Sat. 

1773 — Boundary  line  between  New  York  and  Massachusetts  settled. 

88,900 

44,400 

139 

19 

Sun 

1780— Dark  day  in  New  England;  the  people  dined  by  candle  light. 

131,100 

86,900 

140 

20 

Mo. 

1774 — The  British  Parliament  passed  an  act  transporting  all  Ameri- 

114,400 

48,200 

cans  to  England  for  trial.  1800 — Bonaparte  passed  Mt.  St.  Bernard 

on  his  march  across  the  Alps.  1820— Henry  Grattan,  the  Irish 

statesman,  died,  aged  74  years. 

141 

21 

Tu. 

1804 — First  interment  in  Pere  la  Chaise,  Paris.  1855 — Ship  canal 

176,300 

95,500 

round  the  Falls  of  St.  Mary’s  River,  Mich.,  completed. 

142 

22 

Wd. 

1819 — Steamer  Savannah  started  from  Savannah,  (ja  , for  Liverpool, 

255,100 

155,200 

on  the  first  passage  of  the  Atlantic  attempted  by  steam,  arriving  iu 

Liverpool  June  22d,  having  consumed  her  fuel  in  ten  days. 

143 

23 

Th. 

1701 — Captain  Kidd  executed  at  London  1851 — Richard  Lalor 

129,700 

47,600 

Shiel,  the  Irish  statesman  and  dramatist,  died,  aged  54  years. 

144 

24 

Fri. 

1775 — John  Hancock  elected  President  of  Congress.  1833 — John 

360,800 

166,400 

Randolph,  of  Roanoke,  died,  aged  60  years. 

145 

25 

Sat. 

1840 — Singular  phenomenon  in  Lake  Erie,  at  Toledo,  the  water  ris- 

99,000 

62,300 

ing  four  feet  above  its  ordinary  level  in  the  space  of  a few  hours 

during  a calm. 

146 

26 

Sun 

1865— End  of  the  Confederate  war. 

285,200 

87,300 

147 

27 

Mo. 

1840 — Paganini,  the  great  violinist,  died,  at  Nice,  aged  56  years. 

109,300 

46,000 

1850 — The  Mormon  Temple  of  Nauvoo  destroyed  by  a hurricane. 

148 

28 

Tu. 

1818 — First  steamboat  on  Lake  Erie  ( Walk  in  the  Water)  launched 

118,100 

70,200 

at  Black  Rock.  1843 — Noah  Webster  died,  aged  85. 

149 

29 

Wd. 

1866 — General  Winfield  Scott  died. 

96,900 

64,800 

150 

30 

Th. 

1804 — Jefferson  created  the  District  of  Mobile. 

322,900 

104,300 

151 

31 

Fri. 

1839 — Great  Western,  steamship,  arrived  in  New  York  from  Bristol, 

202,500 

140,800 

in  13  days  8 hour^,  the  shortest  passage  then  across  the  Atlantic. 

INSURANCE  STATISTICS  FOR  MAY,  1877. 

FIRE. 

LIFE. 

Loss  by  Spec’l  Hazards  during  month,  $4,390,200 

Number  of  Life  Insurance  Policies 

Loss  to  Ins.  Companies  by  Specials, . . . 2,303,800 

that  became  claims  during  month. 

1,001 

Total  loss  by  fires  during  month 5,957,200 

Amount  paid  by  Life  Ins.  Companies 

Total  loss  to  Ins.  Cos.  during  month,  3,184,700 

for  death  claims  during  month, $2,548,350 

“ 

What  is  the  age  of  your  little  boy  ?’’  inquired  a venerable  gentleman  of  the  mother  of  an  im- 

pertinent  youngster.  “The  sauce  age,  of  course 

,”  replied  the  mother.  The  sage  saw  it. 

i2  THE  CHRONICLE  ALMANAC. 

HOME 

INSURANCE  COMPANY, 

COLUMBUS.  Ohio. 


CAPITAL,  $250,000.00  I TOTAL  ASSETS,  . $484,713.36 

NET  SURPLUS  (after  deducting  Liabilities  aud  Reinsurance,!  $113,862.36. 

STATEMENT  JANUARY  1,  1877. 

Government  Bonds,  market  value,  ......  $102,800.77 

Loans  on  first  mortgage  on  improved  real  estate  and  interest  accrued  thereon,  129,298.77 
Loans  on  collateral,  .........  43.963.17 

Cash  in  Bank,  .........  4l)905)84 

Reil  Estate,  unincumbered,  ........  34,50oloO 

First  mortgage  R.  R.  bonds,  . . . . . * . 49,500.00 

Cash  in  hauds  of  Agents  aud  in  course  of  transmission,  ....  53,150.85 

City  and  township  b'  nds,  .......  15,980.00 

Interest  accrued  on  all  loans  other  than  mortgages,  ....  5,  00.00 

Due  from  other  Comp  <nies  for  reinsurance,  .....  4)837.32 

Office  furniture  and  fixtures,  ........  3 277.41 

$484,713.35 

LIABILITIES. 

Losses  in  suspense,  .........  $23,500.00 

Reinsurance  fund,  being  60  per  cent,  cf  whole  premium  on  policies  in  force,  97,351.00 
LOSSES  PAID  SI.VCE  ORGANIZATION,  $2,500,000. 


JOHN  B.  HALL,  President.  B.  S.  BROWN,  Vice-President. 

L.  C.  BUTLER,  Secretary.  H.  N.  HENDERSON,  Ass’t  Sec’y. 

NEW  YORK  OFFICE,  152  BROADWAY. 


Better  be  alone  than  in  bad  company. 


SCOTTISH  COMMERCIAL 

INSURANCE  COMPANY, 

GLASGOW,  SCOTLAND. 

FREDERIC  J.  HALLOWS,  . . Manager. 


UNITED  STATES  BRANCH, 

Nos.  40  and  42  PINE  STREET,  New  York, 

E.  W,  CROWELL  & W.  T.  READ,  Resident  Managers. 


WESTERN  DEPARTMENT, 

WM.  R.  KERR,  General  Agent.  | I.  S.  BLACKWELDER,  Sup’t  of  Agencies. 

Chamber  of  Commerce  Building,  Third  Street,  St.  Louis,  Mo. 

Betray  no  trust  ; divulge  no  secret. 


THE  CHRONICLE  ALMANAC. 

*3 

i 

X 

a 

o 

§ 

^4 

© 

© 

£ 

JUNE, 

1878. 

Losses  Ij  Fires 
in  the  United 
States  each  day 

o 

P 

o 

ft 

o 

& 

p 

CHRONOLOGICAL  RECORD 

OF  NOTABLE  EVENTS. 

of  J 

18 

une, 

77. 

152 

1 

Sat. 

1785 — John  Adams,  first  American 

Ambassador  to  England,  pre- 

Total. 

$482,500 

IIIH  t»’  1 

$245,300 

153 

2 

Sun 

sented  to  the  Kmg.  1796 — Tennessee  admitted  into  the  Union. 

1868 — Ex-President  James  l.uchanan  died,  aged  77  years. 

1855 — Riot  at  Portland,  Me.,  a crowd  attempting  to  seize  certain 

114,900 

55,700 

154 

3 

Mo. 

liquors  claimed  by  the  city. 

1840— The  Unicom  arrived  st  Boston,  being  the  first  steamer  be- 

248,900 

129,200 

155 

4 

Tu. 

tween  that  port  and  Liverpool;  passage,  18  days.  1861— Stephen  A. 
Douglas  died,  aged  48  years. 

1792 — First  Legislature  of  Kentucky  met. 

103,800 

62,700 

156 

6 

Wd. 

1790— Steamboat  constructed  1 y John  Fitch  steamed  from  Phil*- 

165,600 

63,200 

157 

6 

Th. 

delphia  to  Trenton  and  back,  this  being  the  first  successful  experi- 
ment of  the  kiudiu  the  world — 16  years  before  Fulton’s  triumph. 
1762— ^Jeo.  Ans  u,  the  circumnavigator,  died,  aged  62  years. 

1843— Gen.  Zachary  Tay.or  nominated  for  the  Presidency  by  the 

173,900 

70,200 

153 

7 

Fri. 

295,700 

173,400 

159 

8 

Sat. 

Whigs  at  Philadelphia 

1709 — Paper  money  first  issued  in  New  York.  1845 — Andrew  Jack- 

1338100 

1,191.900 

ICO 

9 

Sun 

sou,  seve  th  P evident  of  the  U.  S.,  died,  ag  ^d  78. 

1625 — First  child  o white  parents  bo  n m Brooklyn.  1793 — Erup- 

135,600 

57,400 

131 

10 

Mo. 

tion  of  the  peak  of  Teneriffe — projected  rocks  3,000  feet. 

16 iO — First  Dutch  emigrants  landed  at  Manhattan.  1301 — Tripoli 

229,700 

173,400 

162 

u 

Tu. 

declared  war  again-t  the  United  Stages. 

1845 — Theodor  • Dwight,  who  established  the  first  daily  paper  in 

133,100 

58,000 

1G3 

n 

Wd. 

Albany,  died,  aged  81  years, 

1846 — More  than  6,000  persons  driven  from  their  homes  by  a con- 

84,200 

54,400 

164 

13 

Th. 

fljgration  in  st.  John-*,  Newfoundland. 

1780— American  Daughters  »d  Liberty  Society  founded  in  Phila- 

115,300 

58,409 

165 

'u 

Fri. 

delphia  to  supp  y clothing  for  the  Am  -rican  armv. 

1792 — The  first  bank  in  Connecticut  established  at  Hartford. 

144,600 

83,100 

166 

15 

Sat. 

1811 — A marine  volcano  burst  through  the  sea  n«ar  the  Azores, 

239,300 

141,400 

167 

16 

Sun 

where  there  had  been  40  fathoms  of  water.  1836 — Arkansas  admitted 
into  the  Union. 

1803— Eclipse  of  the  sun,  total  at  Philadelphia  and  other  American 

98,400 

41,900 

168 

17 

Mo. 

cities. 

1761 — The  first  “Navigation  Canal”  in  England  opened  between 

106,900 

95,100 

169 

18 

Tu. 

Manches  er  and  Worsley.  1825 — Cornerstone  of  Bunker  Hill  Monu- 
ment laid,  in  presence  of  Lafayette  and  other  celebrities 

1764 — First  lighthouse  on  Sandy  Hook  put  in  operation.  1860 — 

249,609 

203,400 

170 

19 

Wd. 

Stephen  A.  Douglas  nominated  for  the  Presidency. 

1720— At  Tyburn,  England,  Jolm  Mathews  was  executed  at  the  age 

77,800 

64,700 

171 

20 

Th. 

of  18,  for  printing  a political  work  while  yet  au  apprentice. 

1837 — Michigan  admitted  as  a State.  1819 — The  first  b team  vessel 

104,000 

41,700 

172 

21 

Fri. 

to  cross  tbe  At  antic  arrived  at  Liverpool. 

1788 — New  Hampshire  adopte  l the  Federal  Constitution. 

114.800 

62,900 

173, 

22 

Sat. 

1861— Gr^at  fire  in  Tooley  street,  London;  many  lives  lost,  and 

67,800 

36,900 

J 

23 

Sun 

$10,000,000  worth  of  property  destroyed.  Fire  lasted  a month. 

1664 — The  Duke  of  York  conveyed  part  of  his  tract  in  North  Amer- 

94,300 

69,300 

176 

24 

Mo. 

ica  to  Lord  Berkley,  thus  originating  New  Jersey. 

1741 — A daily  ma  1 in  London  first  instituted.  1852 — The  first 

115,000 

58,100 

176 

25 

Tu. 

National  Agiicultural  Convention  met  at  Washington,  D.  C. 

1788 — Virginia,  the  tenth  State,  entered  the  Union. 

646,100 

214,800 

177 

26 

Wd. 

1703 — The  act  vacating  extravagant  grants  of  land  in  New  York 

126,000 

64,900 

178 

27 

Th. 

confirmed. 

1832 — Cholera  appeared  in  New  York. 

165,600 

101  100 

179, 

28 

Fri. 

1809 — First  steamboat  on  Lake  Champ’ain  arrived  at  St.  Johns, 

179,700 

103,000 

180 

29 

Sat. 

Canada,  from  Burlington,  Vt.  1836 — James  Mad. sou,  fourch  Presi- 
dent of  the  U.  S.,  died,  aged  86. 

1848 — Croton  Aqueduct  Bridsre  over  the  Harlem  River.  New  York, 

67,200 

45,700 

181 1 

30 

Sun 

completed,  1,400  fee*  long.  1850— Part  of  Table  Rock,  at  Niagara,  gave 
way.  1852— Henry  Clay  died,  aged  7 >. 

1835 — Benj.  Pritchard,  the  Kentucky  Giant,  died;  weight  525  lbs. 

101,600 

76,400 

INSURANCE  STATIST 
FIRE. 

Loss  by  Spec’l  Hazards  during  month,  $3,988,200 

ICS  FOR  JUNE,  1877. 

LIFE. 

Number  of  Life  Insurance  Policies 

Loss  to  Ins.  Companies  by  Specials. . . 2.350,100 

that  became  claims  during  month. 

1010 

Total  lo<s  by  fires  during  month 6,318,000 

Amount  paid  by  Life  ins.  Companies 

Total  loss  to  Ins.  Co’s  during  month,  3.902.600 

lor  death  cl xims  during  month $2,536,630 

This  counlryis  s°ttling  rapidly,”  aa  Oregon  man  wrote  to  his  friends  in  Iowa  the  dav  after 

a landslide  carried  away  260  acres  of  his  farm  and  dumped  it  into  a valley  below. 

i4  THE  CHRONICLE  ALMANAC. 

McDonald  & beddall, 

CHARLES  R.  KNOWLES, 

Managers 

Manager  for 

Metropolitan  District, 

State  of  New  York, 

56  WALL  STREET, 

(Except  Metropolitan  District), 

NEW  YORK. 

ALBANY,  N.  Y. 

FOSTER  & SCULL, 

PROUD  & CAMPBELL, 

Managers  for 

Managers  for 

Massachusetts,  Connecticut,  Rhode  Island, 

MARYLAND,  VIRGINIA, 

New  Hampshire,  Maine,  Vermont. 

N.  Carolina,  Dist.  Columbia, 

53  DEVONSHIRE  STREET,  Boston,  Maes. 

No.  1,  Rialto  Building,  Baltimore,  Md. 

1845. 

1877. 

9 

ROY  A.L 

INSURANCE  CO.,  OF  LIVERPOOL  AND  LONDON. 

STATEMENT,  JANUARY  1st,  1877. 

GROSS  ASSETS  (Fire  and  Life)- 

$19,434,489.89 

Liabilities  (Fire  and  Life) 

Unpaid  Losses  (Fire) 

7286,950.35 

Reinsurance  Reserve  (Fire) 

2,086,808.53 

Reclaimable  under  Perpetual  Fire  Policies  — 

17,380.18 

Reinsurance  Fund  and  all  other  Liabilities 

(except  Capital), 

under  the  Life  Department 

10,061,250.00 

All  other  Liabilities 

198,131.03  12,000,520,09 

Subscribed  Capital,  $9,651,500  of  which  there  is  paid  up 

in  cash 

$1,447,725.00 

Net  Surplus 

5,386,244.80  ’ 

Surplus  for  Policyholders 

6,833,969.80 

Gross  Assets,  Fire  and  Life,  as  above 

i $19,434,489.89 

UNITED  STATES  BRANCH. 

Assets,  Fire  ($2,017,387.50.  U.  S.  Government  Stocks) $2,480,551.48 

Liabilities,  including  Reinsurance 

SURPLUS, 

$1,181,162.47 

JOHN  H.  McLAREN,  Chief  Manager, 

LIVERPOOL. 

CHAS.  H.  CASE, 

GEORGE  WOOD, 

Manager  for 

Manager  for 

Illinois,  Michigan,  Wisconsin,  Minnesota,  Kan- 

Pennsylvania, New  Jersey, 

sas,  Missouri,  Iowa,  Colorado,  Nebraska, 

Delaware, 

120  LA  SALLE  STREET, 

226  WALNUT  STREET, 

CHICAGO. 

PHILADELPHIA. 

JOHN  S.  LAW  & SON, 

BARBEE  & CASTLEMAN, 

Managers  for 

Managers  for 

Ohio,  Indiana, 

Kentucky,  Tennessee,  Texas,  Florida , 

West  Virginia, 

Georgia,  Alabama,  S.  Carolina,  Arkansas, 

CINCINNATI,  OHIO. 

LOUISVILLE,  KY. 

Every  man  is  said  to  have  at  least  one  opportunity  to  acquire  wealth.  In  the  case  of  a 

newspaper  man,  this  opportunity  comes  on  the  29th  of  February  every  year  except  leap  year. 

THE  CHRONICLE  ALMANAC.  i5 


3 

A 

a 

| 

£ 

JULY,  1878. 

Losses  by  Fires 
in  the  United 

H 

S 

States  each  day 

0 

1 

o 

! 

o 

& 

ft 

CHRONOLOGICAL  RECORD  OF  NOTABLE  EVENTS. 

of  July, 
1877. 

Total. 

Ins  Co’s: 

182 

l 

Mo 

1820 — Toll  first  demanded  on  Erie  Canal. 

$125,600 

$81,800 

183 

2 

Tu. 

1855 — The  Legislature  of  Kansas  organized  at  Pawnee.  Thos.  John- 
son, President  of  Council;  John  H.  Stringfellow,  Speaker  of  the 
House. 

90,400 

52,400 

184 

3 

Wd. 

1853 — Commodore  Perry’s  expedition. 

106,100 

56,900 

185 

4 

Th. 

1804 — John  Adams,  the  second,  and  Thos.  Jefferson,  third  President, 

330,900 

188,000' 

died,  the  former  aged  91,  and  the  latter  83  years.  1851 — James  Mun- 
roe,  fifth  President,  died,  aged  75. 

186 

5 

Fri. 

1817 — The  gold  sovereign  of  England  first  put  in  circulation. 

119,800 

64,700 

187 

6 

Sat. 

1790-^A  vault  discovered  at  Donaden,  Ireland,  12  ft.  by  8,  and  6 ft. 
3 in.  deep,  containing  a stone  coffin,  in  which  was  a skeleton  8 ft.  3 y2 
inches  long.  By  the  side  of  the  coffin  was  a spear  7 ft.  in  length; 
also  twoTirass  urns,  with  the  sun  and  moon  engraved  upon  them. 

288,100 

114,700 

188 

7 

Sun 

1816 — Richard  Brinsley  Sheridan,  an  English  dramatist,  wit  and 
orator,  died. 

103,400 

72,400 

189 

8 

Mo. 

1850— The  Alabama  Historical  Society  organized  at  Tuskaloosa. 

48,300 

33,400 

190 

9 

Tu. 

1803 — The  great  tower  over  Westminster  Abbey  burned.  1850 — 
Zachary  Taylor.  President,  died  in  office,  aged  65. 

56,800 

36,300 

191 

10 

Wd. 

1689 — David  Gardiner,  the  first  white  child  born  in  Connecticut, 
died  at  Hartford. 

48,900 

26,700 

192 

11 

Th. 

1797 — Died,  Chas.  Macklin,  an  Irish  actor  and  dramatic  author, 

53,200 

27,000 

Fri. 

aged  107  years.  1811 — Earthquake  at  the  Azores ; an  island  formed 
where  the  water  had  beeu  30  fathoms  deep. 

193 

12 

1776— Capt.  Cook  sailed  on  his  third  and  last  voyage  of  discovery. 
1823 — The  first  steamboat  appeared  at  Calcutta. 

105,500 

56,500 

194 

13 

Sat. 

1750— The  excessive  heat  caused  the  fish  in  the  Thames  to  assemble 
in  shoals  under  the  bank,  where  they  were  easily  caught. 

122,400 

63,500 

195 

14 

Sun 

1789 — Destruction  of  the  Bastile,  Paris.  1853 — The  Crystal  Palace 
opened  at  New  York  by  the  President. 

154,200 

87,300 

196 

15 

Mo. 

1807 — Joseph  McKeen,  first  president  of  Bowdoin  College,  died. 

103,100 

47,500 

197 

16 

Tu. 

1849 — Frost  seen  at  Pittsfield;  the  thermometer  stood  at  90  the  day 
before. 

153,100 

56,300 

198 

17 

Wd. 

1786— Thirteen  elm  trees  removed  by  a storm  200  yards,  where  they 
took  root. 

281,000 

128,600 

199 

18 

19 

Th. 

Fri 

1820— The  first  chain  bridge  in  England  thrown  over  the  Tweed. 
1854— A negro  woman  died  in  Virginia,  aged  140  years. 

253,900 

162,200 

200 

1849 — The  excavation  through  the  rock  at  Little  Falls  completed 
for  the  passage  of  the  Utica  and  Schenectady  R.  R. 

139,700 

57,100 

201 

20 

Sat. 

1852 — Obsequies  of  Henry  Clay  celebrated  with  great  pomp  at  New 
York. 

54,000 

36,900 

202 

21 

Sun 

1796 — Robert  Burns,  the  Scottish  poet,  died,  aged  37  years. 

48,600 

36.200 

203 

22 

Mo. 

1686 — The  city  of  Albany  incorporated.  1868 — Wyoming  Territory 
organized. 

2,751,100 

90,500 

204 

23 

Tu. 

1 

1765 — In  Lapland,  120  reindeer  struck  dead  by  lightning.  1816 — The 
Enterprise,  the  first  steamship  ever  seen  at  Charleston,  S.  C.,  arrived 
at  that  port. 

66,400 

34,600 

205 

24 

Wd. 

1830 — At  Boston  at  noon  the  thermometer  stood  at  95;  at  sundown 
at  50,  and  fires  were  made  for  comfort. 

198,400 

14,800 

206 

25 

Th. 

1833— James  Martin,  a soldier  of  the  Revolution,  died  at  Knoxville, 
aged  106. 

287,300 

95,900 

207 

26 

Fri. 

1775 — Congress  first  established  a Post-office,  and  appointed  Frank- 
lin Postmaster. 

139,500 

73,800 

208 

27 

Sat. 

1866 — The  Atlantic  Cable  telegraph  completed. 

76,800 

36,900 

209 

28 

Sun 

1789 — The  Pittsburgh  Gazdte,  the  first  newspaper  "west  of  the 
Alleghanies,  appeared. 

138,000 

74,900 

210 

29 

Mo. 

1794 — Seventy-one  members  of  the  Municipality  of  Paris  guillotined. 

75,900 

48,600 

211 1 
212 

30 

Tu. 

1845— Zynthia  Brown,  the  Kentucky  giantess,  7 ft.  high,  died  at 
Flemingsburg,  Ky. 

148,500 

79,000 

31 

Wd. 

1786— A booth  at  Montpelier,  France,  where  a play  was  being  per- 
formed, fell  and  killed  500  persons, 

119,000 

88,500 

1 

. INSURANCE  STATISTICS  FOR  JULY,  1877. 

FIRE.  1 LIFE. 

Loss  by  Spec’l  Hazards  during  month,  $6,196,600  Number  of  Life  Insurance  Policies 

Loss  to  Ins.  Companies  by  Specials  . . 1,613,000  I that  became  claims  during  month. 

Total  Loss  by  fires  during  month 7,182,900  Amount  paid  by  Life  Ins.  Companies 

968  1 

Total  loss  by  Ins.  Cos.  during  month,  2,123,900  1 for  death  claims  during  month $2,432,745 

Post-mortem  kindnesses  do  not  cheer  the  burdened  spirits.  Flowers  on  the 

: coffin  cast  no  | 

fragrance  backward  over  the  weary  days. 

1 

i6 


THE  CHRONICLE  ALMANAC. 


PYRAMID 

OF  THE 

AGRICULTURAL 

INSURANCE  COMPANY 

OF  WATERTOWN,  N.  Y. 


Showing  llio  uniform  and  unexampled  growth  of  this  c 
during  the  pa  t 14  years. 


$200,000.00 


$661,307.73 


$189,315.03 


IAL  COMPANY 


INSURES  ONLY  FARM  PROPERTY  AND  PRIVATE  RESIDENCES. 


THE  CHRONICLE  ALMANAC. 

1 7 

8 

<D 

a 

a 

i 

AUGUST,  1878. 

Losses  by  Fires 
in  the  United 

V* 

g 

States  each  day 

o 

o 

>1 

>» 

CHRONOLOGICAL  RECORD 

OF  NOTABLE  EVENTS. 

of  August, 

1S77 

ft 

ft 

(-1 

Total. 

Ins.  Co’s 

213 

1 

Tu. 

1763— Boston  merchants  entered  into  a non-importa'.ion  agreement 

$111,103 

$45,900 

against  Great  Britain. 

214 

2 

Wd. 

1814— The  remarkable  steeple  of  Kilwinning,  in  Scotland,  fell.  It 

113,900 

56,209 

was  built  in  1140. 

215 

3 

Th. 

1732 — The  first  stone  of  tho  Bank  of  England  laid.  1857 — Eugene 
Sue,  author  of  the  Wandering  Jew,  died,  a^ed  49. 

354, COO 

15S.500 

216 

4 

Fri. 

1836— The  famous  bell  of  Moscow,  the  largest  in  the  world,  weight 

132.C00 

92,200 

444.000  lbs  , raised  from  the  ground. 
Irish  novelist,  died,  aged  44  years. 

1842 — John  Banim,  tho  popular 

217 

5 

Sat. 

1816 — First  State  el  ct  on  held  in  Indiana, 

197.000 

71.600 

218 

6 

Sun 

1674 — Thomas  Willet,  first  May  r c 

)i  New  York,  died. 

133.4  0 

85.700 

219 

7 

Mo. 

1848 — The  great  comet,  whose  revolution  occupies  292  years, 

161,400 

C9,900 

passed  in  its  perihelion  in  July,  and  was  first  seen  on  this  day  by  a 

gentleman  in  Altoona. 

220 

8 

Tu. 

1856 — Mrs.  Math  -ws  (Madame  Vestris)  d'ed  in  London,  aged  59. 

477,300 

252,400 

221 

9 

Wd. 

1787 — The  ship  Columbia  and  sloop  Washington  sailed  .r  m Boston 

163,090 

10.5,609 

for  Northwestern  America  a d ( hina 

. They  were  the  first  American 

vessels  to  circumnavigate  the  globe, 
abolished  in  England. 

1344 — Imprisonment  Ibr  debt 

222 

10 

Th. 

1802— The  sea  at  Teignmouth,  England,  rose  and  fell  two  feet  in  ten 
minutes,  which  was  repeated  several  times. 

96  5C0 

32,303 

223 

11 

Fri. 

1772— A charged  cloud,  at  Java,  de 

troved  2,030  persons. 

138.900 

65,500 

224 

12 

Sat. 

1822 — It  b *rt  Stewart,  Lord  Castlereagh  committed  suicide  bv  open- 

124,200 

61,100 

ing  the  jugular  vein  with  a penknife 

1830 — The  first  American  rail- 

ro  d completed,  between  A.bany  and  Schenectady. 

225 

13 

Sun 

1851 — Litchfield,  Conn.,  celebrated  i s 100th  ant  iversar  . 

117,809 

63,300 

226 

14 

Mo. 

1776— Constitution  of  Maryland  adopted.  1870— Admiral  David 

87,300 

47,800 

15 

Farragut  di  d,  aged  69  ye  rs. 

227 

Tu. 

1769 — Napoleon  Bon  pa1  to  born  at  Ajaccio,  Corsica.  1771 — Sir 

116,300 

59,500 

Walter  Scott  born  at  Edinburg. 

228 

16 

Wd. 

1792 — The  fi  st  theatre  opened  in  Boston,  called  tho  “New  Exhibi- 
tion Boom.”  1825 — The  Northern  Sea  discovered  by  Captain 

109.300 

37,300 

Franklin. 

229 

17 

Th. 

1830— Lafayette  made  Marshal  of  Frcnco. 

67,003 

24,603 

230 

18 

Fri. 

1587 — The  first  English  chi  d born  in  America  at  Boanoke,  Va. 
1833 — First  U.  S.  exploring  expedition  sailed,  under  Com-  Wilkes. 

116,700 

15,203 

231 

19 

Sat. 

1517 — Sir  Walter  Baleigh  sailed  from  Cork,  Irelaud,  with  14  vessels 
on  his  last  voyage.  1692 — Five  persons  executed  for  witchcraft  at 

103,703 

68,800 

Salem,  Mass. 

232 

20 

Sun 

1753 — Thomas  Winslow,  a native  of  Ire’and  died,  a~ed  145. 

149.901 

97,500 

233 

21 

Mo. 

1621 — A cargo  of  marriageable  ladies — 1 widow  and  11  maids — con- 

92,600 

43,800 

signed,  at  L -ndon,  to  Virginia,  to  be  sold  for  tobacco,  at  the  rate  of 
120  lbs.  of  the  best  leaf  lo  • each.  1853 — Tho  famoui  Charter  Oak,  at 
Hartford,  Conn.,  blown  down  in  a s’orm. 

234 

22 

Tu. 

1851 — The  yacht  America  won  the  “ 
England. 

■ Cup  of  all  Nations,”  at  Cowes, 

165,000 

79.C0C 

235 

23 

Wd. 

1693 — Tho  first  printing  executed  at  New  York  was  a proclamation 

67,300 

43,100 

of  Gov.  Fletcher  bearing  this  date. 

236 

24 

Th. 

1667 — New  York  < onfirmed  to  England  by  tho  peace  of  Breda. 

174,103 

81,000 

237 

25 

Fri. 

1725 — A Hungarian  picture  cf  this  date  has  this  inscription:  “ John 
Roven,  in  the  172d  year  of  his  age,  and  bis  wife,  Sara1*,  in  the  164th 
ye  ir  of  her  age.  They  have  been  married  147  years.  Their  children, 

2 sons  an  l 2 daughters,  yet  live,  the  youngest  being  116  years  old.” 

1 

52,400 

238 

26 

Sat. 

1765 — Great  Stamp  Act  Biot  in  Boston. 

87,600 

67,900 

239 

27 

Sun 

1630 — The  first  church  Jounlcd  at  Boston  and  Charlestown. 

105.100 

55,100 

240 

28 

Mo. 

1855 — 1 he  work  of  laying  the  submarine  cable  from  Cape  May  to 

127,030 

57,600, 

1 

i 

Cape  Breton  commenced. 

241 j 29 

Tu. 

1816 — Scheta,  the  celebrated  astrom 

imer  of  Lilienthal,  died. 

103  200 

65,600 ! 

242  30 

Wd. 

1832 — 18,000  deaths  in  Paris,  from  cholera,  since  March. 

89.800 

44.900' 

243131 

Th. 

1853 — \.  Roman  circus  cf  great  size 

is^overed  at  Tours,  France. 

411,600 

99.300 

INSURANCE  STATISTICS  FOR  AUCUST,  1877. 

FIRE. 

LIFE. 

Loss  by  Spec’l  Hazards  during  month,  $3,156,109 

Number  of  Li  o Insurance  Policies 

Loss  to  Ins.  Companies  by  Specials 1,431.400  J 

j that  became  claims  during  month, 

888 

Total  loss  by  fires  during  month 4,590.000 

Amount  paid  by  Life  Ins.  Companies 

Total  loss  to  Ins.  Cos.  during  mouth,  2.203.200  | 

for  death  claims  during  month $2,245  544 

Life  is  too  short  to  nurso  one’s  misery.  Hurry  across  tho  lowlands,  that 

you  may  linger 

longer  on  the  mountain  tops. 

1 8 THE  CHRONICLE  ALMANAC. 


THE 

P H E N I X 

Insurance  Company,  of  Brooklyn,  X.  T. 


OFFICES: 

Nos.  12  & 14  Court  Street,  Brooklyn. 

No.  98  Broadway,  Brooklyn,  E.  D. 

And  in  the  City  of  New  York, 

WESTERN  UNION  BUILDING,  Broadway,  cor.  Dey  St. 


January  X,  1877. 

CAPITAL  PAID  IN  CASH,  . $1,000,000.00 

RESERVE  FOR  ALL  LIABILITIES, 

INCLUDING  RE-INSURANCE,  . . 906,556.70 

NET  SURPLUS,  ....  886,346.22 

Total  Assets,  $2,792,902.92 


The  assets  of  the  Phenix  are;  larger  than  those  of  any  other  Brooklyn  Com- 
pany, and  it  continues  to  insure  against  loss  or  damage  by  Fire,  or  against 
Marine  Losses,  on  the  most  favorable  terms, 

NOT  TOO  OLD  TO  BE  FORGOTTEN, 

That  the  PHENIX  INSURANCE  COMPANY  passed  safely  through  the 
destructive  conflagrations  of  CHICAGO  and  BOSTON,  paying  losses  in  full, 
amounting  in  the  aggregate  to  nearly  a MILLION  of  DOLLARS,  without 
assessing  its  Stockholders  or  passing  any  dividend  in  consequence  of  said 
disasters,  which  may  certainly  be  deemed  as  having  been  well  tested  and 
not  found  wanting. 


STEPHEN  CROWELL,  President.  PHILANDER  SHAW,  Vice-President. 
WILLIAM  R.  CROWELL,  Secretary.  EDWARD  HASLEHURST,  Sec’y 

Brooklyn  Dept. 

Eastern  Department— JAMES  A.  MACDONALD. 

At  New  York  Office. 

Western  and  Southern  Dep’t — T.  R.  BURCH,  Gen’l  Agent, 

No.  160  La  Salle  Street,  Chicago. 


In  “ Uncle  Consider’s  temperance  lecture,”  Eli  Perkins  condenses  all  that  can  be  said 
against  the  use  of  liquor  in  the  single  clause,  “ Get  the  best  of  wniskey,  Eli,  and  whiskey 
will  get  the  best  of  you.” 


THE  CHRONICLE  ALMANAC. 

*9 

s 

A 

a 

s 

SEPTEMBER,  1878. 

Losses  by  Fires 
in  the  United 

H 

s 

£ 

States  each  day 

o 

o 

o 

>> 

CHRONOLOGICAL  RECORD 

OF  NOTABLE  EVENTS. 

of  September, 

1S77 

« 

Q 

0 

Total. 

Ins  (Jo’s 

244 

1 

Sun 

1682 — William  Penn,  with  100  others,  sailed  from  England  in  the 
Vulcan.  1851 — Railroad  inaugurated  from  Moscow  to  St.  Petersburg 

$76,000 

$50,000^ 

245 

2 

Mo. 

1862— Hail,  7 feet  deep,  fell  at  Market  Laverton,  England. 

183,000 

99,700 

246 

3 

Tu. 

1658 — Oliver  Cromwell  died,  aged  59  years.  1783 — Definitive  articles 
of  peace  signed  at  Paris,  between  England,  France,  Spain  and  the 

612,100 

268,700, 

United  States. 

247 

4 

Wd. 

1800 — Cayuga  Bridge  over  the  lake  finished. 

180,500 

139,700 

248 

5 

Th. 

1774 — The  first  Congress  met  at  Philadelphia. 

111,000 

33,200 

249 

6 

Fri. 

1620 — The  Mayflower  sailed  from  Plymouth,  England,  for  America. 

98,800 

28,700, 

250 

7 

Sat 

1820— Great  solar  eclipse  in  England.  1850 — Bill  passed  admitting 
California  as  a State,  and  Utah  as  a Territory. 

126,600 

71,400 

251 

8 

Sun 

1636 — Harvard  College  founded  at  Cambridge. 

154,400 

71,400 

252 

9 

Mo. 

1776 — United  States  first  so  called. 

1853 — The  remnant  of  “ Table 

80,700 

55,700 

Rock”  fell,  at  Niagara.  1867 — General  amnesty  proclaimed  by  the 

President. 

253 

10 

Tu. 

1771 — Mungo  Park  born.  1802 — A lunar  rainbow  seen  in  Derby- 

52,000 

28,400 

shire,  England. 

254 

11 

Wd. 

1833 — 10,000  deaths  from  cholera  in  the  City  of  Mexico,  since  5th  of 

40,200 

30,200 

August  last. 

255 

12 

Th. 

1609— Hudson  commenced  his  voyage  from  New  York  up  the  river 
which  bears  his  name.  1850 — The  Fugitive  Slave  bill  passed. 

395,300 

213,100 

256 

13 

Fri. 

1759 — Quebec  stormed  and  taken  by  the  Britisn.  1831 — Albany  and 
Schenectady  Railroad,  the  first  in  New  York  State,  opened. 

202,000 

168,200 

257 

14 

Sat. 

1836 — Aaron  Burr,  third  Vice-President  of  U.  S.,  died,  aged  81. 
1852— Duke  of  Wellington  died,  at  Walmer  Castle,  England,  aged  83. 

73,300 

42,300 

258 

15 

Sun 

1829 — Slavery  abolished  in  Mexico.  1849 — Strauss,  the  musical 
composer,  died  at  Vienna,  aged  45  years. 

66,100 

36,500 

259 

16 

Mo. 

1785 — At  midday,  at  Quebec,  the  darkness  was  so  great  no  person 
could  see  to  read.  1833 — Boundary  line  settled  between  New  York 

31,900 

17,100 

and  New  Jersey. 

260 

17 

Tu. 

1758 — The  first  theatre  in  New  York  opened,  in  Nassau  Street,  by 
Lewis  Hallam.  1855 — Corner-stone  of  public  library  laid  in  Boston. 

122,400 

69,500 

261 

18 

Wd. 

1792 — The  southeast  corner-stone  of  the  north  wing  of  the  Capitol 

78,000 

43,000 

Th. 

laid  by  Geo.  Washington. 

262 

19 

1471 — The  first  book  known  to  have  been  printed  in  the  English 
language  bears  this  date,  and  is  entitled  “The  Recuyell  of  the  His- 

250,600 

107,400 

torie  of  Troy.” 

| 

263 

20 

Fri. 

1736— John  Bernardi  died  in  Newgate  prison,  aged  79.  He  had  been 
confined  40  years  on  the  false  charge  of  plotting  the  assassination  of 

180,500 

85,400 

William  III. 

| 

264 

21 

Sat. 

Sun 

1803 — Robert  Emmet  hanged  in  Dublin,  for  high  treason,  aged  23 
years.  1832 — Sir  Walter  Scott  died,  aged  61  years. 

322,500 

169.700 

265 

22 

1692 — Two  men  and  seven  women  executed  at  Salem  for  witchcraft, 
one  being  pressed  to  death  for  standing  mute. 

125,300 

29,700 

266 

23 

Mo 

1737— Hebrews  disfranchised  by  the  New  York  Legislature. 

140,900 

84,200 1 

267 

24 

Tu. 

1693 — Bayonets  first  used  on  loaded  muskets  at  the  battle  of  Turin, 
being  first  constructed  at  Bayonne  in  1620. 

1,126,600 

83,000 

268 

25 

Wd. 

1815— First  daily  paper  started  in  Ajbany.  1839 — Treaty  between 

205,800 

89,200 

France  and  Texas  signed  at  Paris. 

269 

26 

Th. 

1776— Congress  appointed  Silas  Deane,  Benj.  Franklin,  and  Thos. 
Jefferson,  Commissioners  to  the  Court  of  France.  1789 — Edmund 
Randolph  commissioned  the  first  Attorney-General  of  the  U.  S. 

121,400 

84,600 

270 

27 

Fri. 

1799 — Rome  surrendered  to  the  British. 

934,400 

647,600 

271 

28 

Sat. 

1670 — The  London  Royal  Exchange,  having  been  rebuilt,  was  re- 

77,700 

46,000 

| 

opened. 

272 

29 

Sun 

1604 — The  act  of  King  James  against  witches  went  into  operation. 

208,400 

181.800 

273 

30 

Mo. 

1630— Isaac  Johnson,  one  of  the  principal  founders  of  Boston,  died. 
The  first  cemetery  in  that  city  was  laid  about  his  grave.  The  spot 
is  now  built  upon,  being  bounded  by  Tremont,  Cornhill,  Court,  and 

330,500 

179,200 ' 

School  streets. 

INSURANCE  STATISTICS 

FOR  SEPTEMBER,  1877. 

FIRE.  1 

1 LIFE. 

Loss  by  Spec’l  Hazards  during  month,  $5,009,300  J 

I Number  of  Life  Insurance  Policies 

Loss  to  Ins.  Companies  by  Specials. . . 2,291,500  j 

that  became  claims  during  month. 

921 

Total  loss  bv  fires  during  month 6,709,500 

Amount  paid  by  Life  ins.  Companies 

Total  loss  to  Ins.  Co’s  during  month,  3,254,600  | 

j ior  death  claims  during  month $2,330,379 

To  have  ideas  is  to  gather  Hewers.  To  think  is  to  weave  them  into  garlands. 

20  THE  CHRONICLE  ALMANAC. 

German- American 

Insurance  Company 

OF 

NEW  YORK. 

No.  179  BROADWAY. 


Gross  Assets,  January  1st,  1877, 
Reserve  for  unearned  Premiums, 
Other  Liabilities 
Capital  paid  in  Cash 
Net  Surplus  .... 


$2,226,552.97 

. $496,389.36 
78,326.00' 

1,000,000.00 

651,837.53 

$2,226,552.97 


E.  OELBERMANN,  President. 


James  A.  Silvey,  Secretary.  John  W.  Murray,  Vice-Prest. 

Thos.  F.  Goodrich,  Secretary  Agency  Dep’t. 

John  Marr,  General  Agent.  James  Noxon,  Special  Agent. 


Eugene  Cast,  Manager  Western  Dep’t,  Chicago.  John  S.  Belden,  Ass’t  Manag’r. 
Barbee  & Castleman,  Managers  Southern  Dep’t,  Louisville,  Ky. 
Farnsworth  & Clarke,  Managers  Pacific  Dep’t,  San  Francisco,  Cal. 


REPRESENTED  IN  ALL  THE  LEADING  AGENCIES 
THROUGHOUT  THE  COUNTRY. 

Living  Things  in  the  Ear— Lay  the  patient  on  his  side  with  affected  ear  uppermost; 
fill  the  ear  with  water  or  sweet  oil,  which  v ill  float  out  the  obstruction. 


THE  CHRONICLE  ALMANAC.  21 


OCTOBER,  1878. 


CHRONOLOGICAL  RECORD  OF  NOTABLE  EVENTS. 


Losses  by  Fires 
in  the  United 
States  each  d jr 
of  October, 
1877. 


274 

Tu. 

1807 — The  first  steamboat  left  New  York  for  Troy,  making  5 miles 
an  hour. 

Total. 

$224,500 

Ins.t  Vn 

1 $119,200 

276 

2 

Wd. 

17K0— John  Andre  hanged  in  Tappan,  N.  Y.,  as  a spy. 

284.901) 

i 145.900 

276 

£ 

'Ih. 

1691 — The  English  and  Irish  war  ended  by  the  tall  of  Limerick. 

269  100 

i 123,500 

277 

4 

Fri. 

1780— The  ships  Revolution  and  Discovery,  under  the  < ircumnavi- 
gators.  Cook  and  Clark,  returned,  but  without  either  of  their  com- 
manders both  being  (U  ad. 

154,300 

| 102,500 

278 

5 

Sat. 

1733 — Zenger’s  Weekly  Journal,  the  second  paper  in  New  York  issued. 

205,300 

125,700 

279 

6 

Sun 

1783 — The  treaty  between  the  U.  S.  and  Great  Britain  proclaimed. 

190,200 

92,000 

280 

7 

Mo. 

1765 — First  Congress  ot  American  Colonies  met  in  New  York. 
1847— Edgar  A.  Poe  died,  aged  37. 

221,500 

201, 5U0 

281 

8 

Tu. 

1793— John  Hancock,  a master  spirit  of  the  American  Revolution, 
died,  aged  56  years.  1822 — The  first  boats  passed  from  the  West  and 
North  through  the  Erie  and  Cham:  lain  Canals,  to  Albany. 

126,900 

69.600 

282 

9 

Wd. 

1642— T he  first  commencement  held  at  Harvard  College. 

47.900 

24,000 

283 

10 

Th. 

1800— Explosion  of  an  infernal  machine  intended  to  kill  Napoleon 
as  he  went  to  the  opera;  20  p rsous  killed  and  53  wounded.  Napoleon 
escaped  because  his  coachman  was  intoxicated,  and  drove  faster  than 
usual. 

132,700 

7e,lC0 

284 

11 

Fri. 

1791 — The  Bank  of  Providence,  the  first  bank  in  Rhode  Island,  be- 
gan to  discount. 

281,600 

122,600 

285 

12 

Sat. 

1822— Indepi  ndence  of  Brazil,  under  Don  John,  proclaimed.  1870 — 
Gen.  Robt.  E.  Lee  died,  aged  62. 

152,100 

83.800 

286 

13 

Sun 

1754 — J cob  Powell,  who  weighed  560  lbs.,  and  whose  body  was 
four  yards  in  circumference,  died.  Sixteen  men  were  required  to 
carry  the  body  t • the  grave. 

65.900 

36,700 

287 

14 

Mo. 

1761 — Volcanic  ptn  mm<-naseen  in  Worcester,  England.  1845 — Wm. 
Pidgeon  died  in  Bladen,  S.C.,  aged  123. 

149,100 

71,000 

288 

15 

Tu. 

1631— A party  of  60,  after  a journey  of  14  days  through  the  wilder- 
ness, settled  at  Hartford,  Conn. 

52,000 

24  900 

289 

16 

Wd. 

1725 — First  newspaper  publi°hed  in  New  York.  1817 — Kosciusko, 

the  famous  lolish  gen.  ral,  died  in  Switzerland , aged  71  years. 

45,700 

31,900 

290 

17 

Th. 

1829 — Delaware  and  Chesapeake  Canal  opened. 

282,800 

204.500 

291 

18 

Fri. 

1631 — Corn  made  a legal  tender  in  Massachusetts,  unless  money  or 
beaver  were  expressly  stipulated.  1871 — European  and  North  Amer- 
ican Railway  opened  at  Bangor,  Me. 

111,000 

88,200 

292 

19 

Sat. 

1762— Darkest  day  ever  kuowu  in  Detroit.  1810— The  French 
burned  all  the  British  merchandise  in  the  country. 

62,200 

32,500 

293 

20 

Sun 

1815 — Great  hurricane  at  Jamaica,  which  lasted  three  days  and  de- 
stroyed 100  vessels. 

61,000 

24,100 

294 

21 

Mo. 

1805— Battle  ot  Trafalgar. 

76,700 

44,100 

295 

22 

Tu. 

1757 — Alum  first  discovered  in  Ireland.  1850 — The  City  Council  of 
Chicago  passed  a resolution  nullifying  the  Fugitive  Slave  law. 

54  500 

33,200 

296 

23 

Wd. 

1667 — 1 he  foundation  stona  ot  the  first  pillar  of  the  Royal  Ex- 
change, London,  laid  by  the  King.  1679— The  •*  Meal  Tub  Plot  ” dis- 
covered in  England. 

208,800 

161,800 

297 

24 

Th. 

1682— William  Penn,  with  100  colonists,  landed  at  Newcastle,  Del. 
1852— Daniel  Webster  died  at  Marshfield,  aged  70. 

96,000 

75,800 

298 

25 

Fri. 

1780 — John  Hancock  chosen  first  Governor  of  Massachusetts. 
1826 — The  first  daily  paper  at  Rochester  started. 

149,600 

71,500 

299 

26 

Sat. 

1831 — Cholera  first  appeare  1 in  England,  at  Sunderland.  1850 — The 
Northwest  Passage  discovered  by  Capt.  McClure. 

104,000 

85,000 

300 

27 

Sun 

1492 — Columbus  discovered  Cuba,  and  made  a landing  on  the  fol- 
lowing dav 

222,800 

128,200 

301 

28 

Mo. 

1652— William  Mead,  an  English  physician,  died,  aged  149.  1704 — 

John  Locke,  the  p ilosopher,  died. 

90,400 

37,500 

302 

29 

Tu. 

1825 — The  first  boat  on  the  Erie  Canal  reached  Buffalo. 

108  000 

54  600 

303130 

Wd. 

1813 — Sarah  Rodgers,  a celebrated  painter,  died  at  Philadelphia. 

178,500 

96,100 

304  31 

Th. 

1838 — Noah  Webster,  an  eminent  philanthropist,  and  founder  of 
the  Massachusetts  Peace  Society,  died. 

109,400 

84,600 

INSURANCE  STATISTICS  FOR  OCTOBER,  1877. 


FIRE. 

Loss  by  Spec’l  Hazards  during  month,  $1,970,200 
Loss  to  Ins.  Companies  by  Specials. . . 3,193,200 

Total  loss  by  fires  during  month 4,507,400 

Total  loss  to  Ins.  Cos.  during  month,  2,666,600 


919 


LIFE. 

Number  of  Life  Insurance  Policies 
that  became  claims  during  month. 

Amount  paid  by  Lif » Ins.  Companies 

tor  death  <-laias  during  month $2,332,894 

“ Are  these  soaps  all  one  scent?”  inquired  a lady  of  a juveuLo  salesman.  “No,  madam;  they 
are  all  10  cents,”  replied  the  innocent  youngster. 


22  THE  CHRONICLE  ALMANAC. 


WATERTOWN 

FIRE 

INSURANCE  COMPANY, 

Watertown,  N.  Y. 


Insures  Residence  Property  Against 

FIRE  AND  LIGHTNING. 


January  1?  1877. 

Cash  Capital, 

Cash  Assets,  , 

Reinsurance  Fund,  . 

Net  Surplus, 


Hon.  WILLARD  IVES, 
U.  S.  GILBERT,  . 
JESSE  M.  ADAMS, 

C.  H.  WAITE, 


NEW  YORK  OFFICE; 

No.  141  BROADWAY , 
SATTERLEE  & SMITH,  Agents. 

The  first  step  to  greatness  is  to  be  honest. 


$ 200,000.00 
7 25,819.08 
433,602.72 
64,754.72 


President. 

Vice-President. 

Secretary. 
General  Agent. 


THE  CHRONICLE  ALMANAC. 


23 


t 

H 

"S 

0 

s 

<D 

£ 

NOVEMBER,  1878. 

Losses  by  Fires 
in  the  United 
States  each  day 

0 

a 

0 

A 

0 

A 

CHRONOLOGICAL  RECORD  OF  NOTABLE  EVENTS, 

of  November, 
1877. 

Total. 

Ins  Co’s 

30 5 

1 

Fri. 

1771 — John  Eyre,  of  England,  sentenced  to  “ transportation  ” for 
stealing  a few  quires  of  paper.  He  was  worth  £30,000,  yet  com- 
mitted and  confessed  the  deed. 

$184,100 

$94,400 

306 

2 

Sat. 

1656  a.  m. — The  Jews  place  the  beginning  of  the  flood  on  this  day. 

144,400 

84,200 

307 

3 

Sun 

1680 — The  great  comet  of  this  year  approached  so  near  the  earth 
as  in  many  cases  to  occasion  some  alarm. 

118,100 

83,500 

308 

4 

Mo. 

1749— A ball  of  fire  burst  about  forty  yards  above  the  British  ship 
Montague,  greatly  injuring  the  ship.  The  ball  was  first  visible  about 
three  miles  from  the  ship,  at  midday,  and  rose  before  it  burst. 

122,000 

94,000 

309 

6 

Tu. 

1605 — The  Guy  Fawkes  gunpowder  plot  discovered. 

59,500 

28,400 

310 

6 

Wd. 

1460— John  Falstaff  (Shakespeare’s  Falstaff),  a brave  English  gen- 
eral, died,  aged  80  years. 

149,700 

129,300 

311 

7 

Th. 

1856— The  first  marriage  of  a Hindoo  widow  celebrated  at  Calcutta. 

419,800 

346,500 

312 

8 

Fri 

1808 — A Mr.  Dowler,  of  Towcester,  England,  completed  a pedestrian 
performance  of  500  miles  in  7 days. 

68,500 

45,800 

313 

9 

Sat. 

1799— Bonaparte  made  Emperor  of  France. 

140,900 

102,700 

314 

10 

Sun 

1657  A.  M. — The  waters  of  the  Deluge  are  said  to  have  subsided  on 
this  day.  670 — Birthday  of  Mohamet,  as  settled  by  the  Benedictines. 

253,500 

153,600 

316 

11 

Mo. 

1835 — Great  tempest  on  Lake  Erie.  A number  of  lives  and  vessels 
lost.  The  water  rose  higher  at  Buffalo  than  ever  before. 

82,300 

38,400 

316 

12 

Tu. 

1589— Frst appointment  of  a licenser  of  stageplays,  in  London. 

430,100 

282,400 

317 

13 

Wd. 

1833— Remarkable  meteoric  phenomena,  which  extended  over  North 
America,  the  entire  vault  of  heaven  being  covered  with  myriads  of 
fire  balls,  resembling  sky-rockets,  and  showers  of  fiery  snow  driven 
with  inconceivable  velocity  to  the  northwest.  It  was  observed 
again  on  this  day,  1837,  in  New  York  and  New  Haven. 

204,800 

86,300 

318 

14 

Th. 

1827 — Thomas  Addis  Emmet,  an  eminent  Irish  lawyer,  died  in  New 
York,  aged  63.  1832 — Charles  Carroll,  of  Carrolton,  died,  aged  96. 

926,500 

869,100 

319 

16 

Fri, 

1695— In  Limerick  and  Tipperary,  Ireland,  a shower  of  matter  fell 
resembling  grease,  and  was  gathered  into  pots  by  some  of  the  in- 
habitants. When  placed  on  the  hand  it  melted,  but  placed  by  the 
fire  it  dried  and  became  hard,  emitting  an  offensive  odor. 

193,000 

123,800 

320 

16 

Sat. 

1847— Poland  blotted  from  among  the  nations  of  Europe. 

146,000 

65,000 

321 

17 

Sun 

1604 — Trial  of  Sir  Walter  Raleigh  for  treason. 

568,000 

463,400 

322 

18 

Mo. 

1785 — Mrs.  Kelly,  the  noted  Irish  fairy,  being  only  34  inches  long, 
died.  Her  child  which  only  lived  a few  hours,  was  22  inches. 

126,300 

62,700 

323 

19 

Tu. 

1703— The  Iron  Mask  ( Masque  de  Fer)  died  at  the  Bastile,  Paris,  after 
an  imprisonment  of  42  years.  1789 — Junction  of  the  Thames  and 
Severn  Rivers,  England,  by  a canal. 

810,900 

483,900 

324 

20 

Wd. 

1789— North  Carolina  adopted  the  Federal  Constitution. 

77.200 

25,700 

326 

21 

Th. 

1777 — Congress  recalled  Silas  Deane  from  Paris,  and  appointed  John 
Adams  to  succeed  him . 

153,600 

137,600 

326 

22 

Fr. 

1798 — Theobald  Wolfe  Tone,  an  Irish  pa'.riot,  committed  suicide  in 

209,700 

134,500 

327 

23 

Sat. 

prison  • 

1849 — The  bones  of  Col.  John  Dixwell,  the  regicide,  were  removed 
from  the  grave  in  New  Haven,  where  they  were  deposited  in  1688 
and  reinterred,  with  a view  to  the  erection  of  a monument  over 
them 

126,900 

40,000 

328 

24 

Sun 

1572 — John  Knox,  the  celebrated  Scottish  reformer,  died,  aged  67. 
1814 — Treaty  of  peace  signed  at  Ghent,  between  England  and  America. 

104,800 

55,200 

329 

25 

Mo. 

1816 — The  new  theatre  at  Philadelphia  illuminated  by  gaslight,  be- 
ing the  first  theatre  on  this  continent  thus  illuminated. 

80,200 

71,700 

330 

26 

Tu. 

1703 — Eddystone  lighthouse  blown  down. 

73,900 

31,300 

331 

27 

Wd. 

1627 — A luminous  stone,  or  meteorolito,  weighing  57  lbs.,  fell  on 
Mount  Voison,  in  Provence,  under  a clear  sky. 

259,000 

214,800 

332 

28 

Th. 

1859 — Washington  Irving  died,  aged  76  years. 

157,900 

85,600 

333 

29 

Fri. 

1814 — The  first  newspaper — the  London  Times — printed  by  steam 
power.  1872 — Horace  Greeley  died,  aged  60  years. 

155,500 

88,000 

334 

30 

Sat 

1861 — Jefferson  Davis  elected  President  of  the  Confederate  States 
for  six  years. 

244,700 

132,000 

INSURANCE  STATISTICS  FOR  NOVEMBER,  1877. 

FIRE.  I LIFE. 

Loss  by  Spec’l  Hazards:  during  month,  $4,804,900  j Number  of  Life  Insurance  Policies 

Loss  to  Ins.  Companies  by  Specials. . . 3,188,400  1 that  became  claims  during  month,  961 

Total  loss  by  fires  during  month 6,791,800  Amount  paid  by  Life  Ins.  Companies 

Total  loss  to  Ins.  Cos.  during  month,  4,643,800  | for  death  claims  during  month. . . . $2,352,  652 


Make  sunlight ! The  world  at  be3t  is  dark  enough.  Do  what  you  can  to  make  it  more 
cheerful  and  happy. 


24  THE  CHRONICLE  ALMANAC. 


1 8th  Annual  Statement,  January  i,  1877. 


AMERICAN  INSURANCE  CO., 


Policies  issued  upon  the  Stock  and  Installment.  Plan.  Insurance  confined 
toDwelling  Houses,  Private  Bams,  tlieir  Contends,  Farm  Property,  Churches 
and  School  House's.  No  policies  written  on  property  situated  in  Chicago  or 
any  large  city.  Number  of  Policies  written  from  1859  to  1877,  260,723;  in 
force,  152,654. 

CASH  CAPITAL,  $200,000. 

Total  Cash  Assets $882,027.92 

Reinsurance  Reserve  and  all  other  liabilities,  . 450,385.27 


Cash  Surplus  as  regards  Policyholders 
Deduct  Capital, 


$431,642.65 

200,000.00 


Cash  Surplus  as  regards  Stockholders,  . . $231,642.65 

Installment  Notes  on  hand,  Jun.  1st.  1877,  $1,711,631.95 
Losses  paid  from  1872  to  1877  . 1,112,638.40 

DIRECTORS. 

H.  Z.  CULVER  Hon.  WM.  H.  BRADLEY,  Hon.  H.  N.  HIBBARD. 

CHAS.  L.  CURRIER,  D.  A.  ENOWLToN,  Jr.  M.  A.  HOYNE, 

Hon.  J.  M.  BAILEY,  LOYAL  L MUNN.  WM.  H.  OVINGTON, 

li.  B.  CURRIER,  NICHOLAS  KRaNSZ. 

OFFICERS. 

H.  Z.  CULVER,  President, 

Hon.  H.  N.  HIBBARD,  Vice-President. 

CHAS.  L.  CURRIER,  Secretary.  M.  A.  HOYNE,  Treasurer. 

R.  B.  CURRIER,  General  Agent. 


Assume  all  men  to  be  hone3t  whom  you  do  not  know  ; but  never  put  it  in  any  one’s  power 
to  cheat  you  in  case  he  be  a rogue. 


THE  CHRONICLE  ALMANAC. 

25 

i 

£ 

a 

1 

a! 

f 

DECEMBER,  1878. 

Losses  by  Fires 
in  tho  United 
States  each  day 

o 

>, 

Q 

o 

>> 

Q 

o 

>» 

ca 

« 

CHRONOLOGICAL  RECORD  OF  NOTABLE  EVENTS. 

of  December, 
1876. 

Total. 

Ins. Co’s 

! 335 

1 

Sun 

1848 — Huugary  declared  herself  an  independent  Republic. 

$560,100 

$319. tOO 

336 

2 

Mo, 

1791 — Henry  Flood,  the  larnous  Irish  orab  r,  died,  aged  C9  years. 
1804 — Napoleon  lien  parte  inaugurated  Emperor  of  I ranee. 

149,000 

83,600 

337 

3 

Tu. 

1775 — lhe  Cominental  flag  displayed  for  the  first  time,  on  board 
the  flag  ship  of  i sek  Hopkins.  1815— John  Carroll,  first  Catholic 
Bishop  in  the  U.  S.,  died,  aged  89  years.  1818 — Illinois  admitted 
into  the  Union. 

314,500 

104, COO 

338 

4 

Wd. 

1642 — Cardinal  Richelieu  died,  aged  57  years.  1819 — Alabama  ad- 

mitted into  1 he  Union . 

98,100 

69,300 

339 

5 

Th. 

1066 — Ma  -beth,  usurper  of  the  Scottish  throne,  slain  by  Macduff, 
after  a reign  of  17  years. 

399,600 

164,100 

34C 

41 

Fri 

1790 — K ntucky  was  erected  into  an  independent  state. 

156.700 

89,700 

341 

7 

Sat. 

1788 — Delaware  ratified  the  Constitution  of  the  United  States,  being 
the  first  State  to  do  so.  1835 — The  railroad  from  Nuremburg  to 

Furth,  the  first  in  Gevmany,  opened. 

88,000 

50,300 

342 

£ 

Sun 

1828 — The  first  depos  t ot  California  gold  made  in  the  U.  S.  mint. 

166,100 

101.600 

343 

9 

Mo. 

1856  Rev.  Fatb  er  Mathew,  the  Apostle  of  Temperance,  died  at  Cork, 
Ireland,  aged  66  yeaes. 

469,600 

256,500 

I 

344 

10 

Tu. 

1768 — The  Royal  Academy  in  London,  instituted.  1804 — New  York 

Historical  Society  instituted. 

171,800 

94.C03  j 

345 

11 

Wd. 

1816 — Indiana  admitted  into  the  Union. 

110.200 

58,600 ' 

346 

12 

Th. 

1656,  A.  M. — The  rain  of  the  deluge  ceased  to  fall.  1787 — Penn- 

sylvania ratified  the  Constitution  of  the  United  States. 

184,260 

106,200 

347 

13 

Fri. 

1545 — The  greit  Council  of  Trent  opened.  1642 — New  Zealand 

discovered  by  Tasman. 

95.400 

68,100 

348 

14 

Sat. 

1799— George  Washington  died  at  Mount  Vernon,  aged  68  year*. 

405.860 

174,600 

349 

15 

Sun 

1840— The  remains  of  Bonaparte  removed  from  Cherbourg  to  Paris. 
The  procession  on  the  occasion  numbered  500,000  persons. 

324,800 

73,800 

350 

16 

Mo. 

1809 — The  most  ceremonious  and  < xtr  ordiuary  divorce  in  the  world 
took  place  between  Bonaparte  and  Josephine. 

561, COO 

257,800 

351 

17 

Tu. 

1832 — Professor  Zahn  discovered  a city  buried  under  the  lava, 
between  Vesuvius  and  Pompeii. 

193,000 

115,600 

352 

18 

Wd. 

1776 — New  Jersey  ratified  the  Federal  Constitution. 

195, 7C0 

114.300 

353 

19 

Th. 

1852 — Sacramento,  Cal.,  inundated  by  the  breaking  of  a levee,  and 
much  damage  occasioned. 

419,300 

215,200 

354 

20 

Fri. 

1735 — Part  of  the  Island  of  Portland  sank  into  the  sea.  1791 — 

Bank  of  the  United  States  commenced  discounting  at  Philadelphia. 

106,500 

53,500 

355 

21 

Sat. 

1667 — Milton’s  widow  disposed  of  her  entire  interest  i;i  Paradise 
Lost  for  £8;  so  that  the  most  sublime  poem  in  the  world,  produced 
for  its  author  and  his  family  the  sum  of  $90,  ten  pounds  having  been 
paid  the  author  during  his  lifetime. 

236,600 

109,700 

356 

22 

Sun 

1719 — The  American  Weekly  Mercury,  the  first  paper  in  Pennsyl- 
vania and  the  second  in  the  United  States,  appeared.  1803— Louis- 

iana taken  possession  of  Ly  the  Americans. 

243,600 

104,100 

357 

23 

Mo. 

1783 — Gen.  Washington  delivered  up  his  commission  to  Congress. 

295,000 

169,660 

358 

24 

Tu. 

1704 — First  eruption,  on  record,  of  the  Peak  of  Tenneriffe. 

281,500 

100.900 

359 

25 

Wd. 

98 — Christmas  was  first  used  as  a festival.  1777 — Vermont  became 
an  independent  State. 

84,000 

46,700 

360 

26 

Th. 

1732 — William  Leland,  of  Lisnakeu,  Ireland,  died,  aged  139  year*. 
1831 — Stephen  Girard,  a wealthy  Philadelphia  banker,  and  founder  of 
Girard  College,  died,  aged  81  years. 

78,700 

43.7C0 

361 

27 

Fri. 

1820 — John  Keats,  a i English  poet,  died  in  Italy,  aged  26  years. 

115,600 

70,100 

362 

28 

Sat. 

1737 — Singu’ar  sinking  and  rising  of  land  near  Scarborough,  York- 
shire, England. 

333,800 

153,000 

363 

29 'Sun 

1 

1845 — Texas  admitted  into  the  Union.  1348 — Wisconsin  admitted 

into  the  Union. 

214,500 

127,100 

364 

301  Mo. 

1861 — Banks  at  New  York  suspended  specie  payment. 

54,600 

29,400 

365 

1 

Tu. 

1849 — The  Hudson  River  Railroad  opened  to  Poughkeepsie. 

A HAPPY  NEW  YEAR  TO  YOU  ! 

116,200 

10,200 

INSURANCE  STATISTICS  FOR  DECEMBER,  1876. 

FIRE.  I LIFE. 

Loss  by  Spec’l  Hazards  during  month,  $4,524,700  Number  of  Life  Insurance  Policies 

Loss  to  Ius.  Companies  by  Specials,. . . 2,177,000  J that  became  claims  during  month,  928 

Total  loss  by  fires  during  month 7,254.100  I Amount  paid  by  Life  Ins.  Companies 

Total  loss  to  Ius.  Cos.  during  mouth,  3,536,300  j for  death  claims  during  month, $2,357,794 


Burglars  now  force  fine  powder  into  safes  with  air-pumps.  No  lock  will  be  perfectly  secure 
until  a man  can  put  the  keyhole  in  his  pocket. 


26  THE  CHRONICLE  ALMANAC. 


KNICKERBOCKER  LIFE 

INSURANCE  COMPANY, 

239  BROADWAY, 

NEW  YORK. 

JOHN  A.  NICHOLS,  ....  President. 


CONSERVATIVE, 

SECURE, 

STABLE, 

LIBERAL, 

AND  PRUDENTLY  MANAGED. 


SAVINGS  BANK  POLICIES  A SPECIALTY. 


Geo.  F.  Sniffen,  Secretary,  Chas.  M.  Hibbard,  Actuary. 

H.  W.  Johnson,  Counsel,  E.  W.  Derby,  M.  D.,  Med.  Ex’r. 

John  F.  Nichols,  Cashier,  John  B.  Powell,  Mang’r  Agencies  for  N.  Y. 


The  man  that  stands  by  himself,  the  universe  stands  by  him  also. 


D.  J.  Staples,  President.  Alpheus  Bull,  Yioe-Prest.  Geo.  D.  DoRNiN,See’y. 

FIREMAN’S  PUN TD 

INSURANCE  COMPANY, 


SAN  FRANCISCO,  CALIFORNIA. 


Connecticut, 
Georgia, 
Illinois,  . 
Indiana, 

Iowa, 

Kentucky, 

Maine, 

Massachusetts 
Pennsylvania, 
Ohio, 


LOSSES  PAID  TO  JANUARY  I,  1877. 


New  Jersey, 

Texas, 

South  Carolina,  . 

Rhode  Island, , 

Michigan, 

New  York, 

Virginia, 

Minnesota, 

Missouri, 

Wisconsin. 

California,  Oregon,  Nevada 


$38,682 
15,281 
651,738 
36,117 
42,027 
12,999 
15,242 
271,565 
75,3  r0 
47,889 
5,450 
4,163 
20,914 
28,658 
34,504 
336,352 
28,037 
8,879 
46,688 
39,461 
1,329,125 


Total,  83,089,121 

SKEELS  & BROUGHTON,  Agents,  176  Broadway,  New  York. 

THOS.  S.  CHARD,  Manager,  £3,  25  & 27  La  Salle  Street,  Chicago. 


“ A woman,”  says  Mrs.  Partington,  “ who  has  once  been  married  with  a congealing  heart, 
and  one  that  beats  desponding  to  her  own,  will  never  want  to  enter  the  maritime  state  a 
second  time.” 


THE  CHRONICLE  ALMANAC.  27 


That  many  Marine  Insurance  Companies  do  not  exercise  proper  discrimination 
in  assuming  risks,  will  not  be  disputed.  In  consequenca  of  this  recklessness, 
rotten  hulks,  laden  with  comparatively  worthless  cargoes,  are  frequently  wrecked 
in  order  to  obtain  the  amount  of  insurance.  Prior  to  the  passage  of  the  Plimsoll 
law  in  England  this  pernicious  practice  was  quite  common  in  that  country.  Its 
effect  in  this  country  is  faithfully  presented  in  the  above  illustration. 


As  the  deepest  hate  may  spring  from  the  most  violent  love,  so  the  greatest  ingratitude  may 
arise  from  the  largest  benefits.  It  is  said  that  Cicero  was  slain  by  one  whom  his  oratory  had 
defended  when  accused  of  his  father’s  murder. 


28  THE  CHRONICLE  ALMANAC. 


CONTINENTAL 

INSURANCE  COMPANY 
OF  THE  CITY  OF  NEW  YORK. 


Statement  of  Financial  Condition,  January  1st,  1877. 


Whole  Amount  of  Assets  possessed  by  the  Company,  . $3,040,085.07 

CONSISTING  OF  THE  FOLLOWING  ITEMS — TO  WIT  : 

1.  Cash  on  hau  l and  on  deposit  in  Bank,  . . 382,538.31 

2.  Stocks  and  Bonds  owned  by  the  Company — Market  value  937,630.00 

3.  Real  Est  ite  owned  by  the  Company,  . . . 669,000.00 

(Including  Principal  Office,  100  & 102  Broadway  and 
No.  1 Pine  Street.  Branch  Office,  cor.  Court  and  Mon- 
tague Street,  Brooklyn.  Eastern  Branch  Office,  106 
Broadway,  Eastern  District. ) 

4.  Loans  on  United  States  and  other  Stocks,  (Market  value, 


$234,528.75.) 177,850.00 

5.  Loans  on  Bond  Mortgage  (on  Real  Estate  valued  at 

$1  952,075.00.)  ......  657,000.00 

5.  Interest  accrued,  due  1st  January  1877.  . . 23,505.24 

7.  Ruts  accrued  ......  13,500.00 

8.  Premiums  in  course  of  collection  . . . 179,061.52 


$3,040,085.07 

Liabilities. 

1.  Amount  reserved  to  reinsure  all  outstanding  risks,  . $ 930,107.84 

2.  Dividends  unclaimed,  commission  on  uncollected  pre- 

miums and  all  other  demands  against  the  Company,  73,462.52 

3.  Reserve  f ar  Losses  reported  and  in  process  of  settlement, 

$192,499.58.- 

$1,003,570.36 

Amount  available  January  1st,  1877,  for  Losses  as  per  state- 
ment on  next  page,  .....  2,036,514.71 


$3,040,085.07. 

Bee  next  page.  ~~ 


The  man  that  stands  by  himself,  the  universe  stands  by  him  also. 


THE  CHRONICLE  ALMANAC.  29 


CONTINENTAL  INSURANCE  COMPANY— continued. 

By  the  provisions  of  the  New  York  Safety  Fund  Law,  under  which  the  business 
of  this  Company  is  conducted  its  available  funds  are  disposed  as  follows,  viz : 

1.  Amount  of  Capital,  .....  $1,000,000.00 

2.  Guarantee  Surplus  Fund, 

(This  Fund  is  now,  Oct.  1st,  $400,000).  386,000.00 

3.  Special  Reserve  Fund,  held  by  the  Superintendent  of  the 

New  York  Insurance  Department,  for  the  protection  of 
policy  holders  of  this  Company,  not  involved  in  any 
overwhelming  conflagration,  and  available  for  losses 
occurring  subsequent  to  such  disaster  or  pending  the 
assessment  of  new  or  additional  capital,  and  also  held 
to  keep  the  Company  out  of  a Receiver’s  hands  in  any 
emergency,  and  to  make  all  its  funds  held  for  losses  at 
such  conflagration  available  for  that  purpose  without 
shrinkage,  costs  or  delay.  (This  Fund  is  now,  Oct.  1st, 

1877,  $400,000) 386,000,00 

4.  Unallotted  Funds,  (including  the  $192,499.58  reserved  for 

losses  reported  and  in  process  of  settlement.)  . 264,514.71 

$2,036,514.71 


Cash  Capital  (all  paid  up)  ....  $1,000,000.00 

Gross  Surplus  ......  2,040,085.07 

$3,040,085.07 


OFFICERS  : 

B.  C.  TOWNSEND, 

Secretary  Agency  Dep’t. 

ABM.  M.  KIRBY, 

Secretary  Local  Department. 

CHAS.  H.  DUTCHER,  CYRUS  PECK, 

Secretary  Brooklyn  Dep’t.  Secretary. 

JOHN  K.  OAKLEY,  General  Agent. 


GEO.  T.  HOPE, 

President. 
H.  H.  LAMPORT, 

Vice-President. 


New  York , October  1st,  1877. 


A tart  temper  never  mellows  with  age;  and  a sharp  tongue  is  the  only  edged  tool  that 
grows  keener  with  constant  use. — Irving. 


30  THE  CHRONICLE  ALMANAC. 


POSTAL  INFORMATION. 


LETTERS,  and  Matter  wholly  or  in  part  in 
Writing,  or  in  a Sealed  Package,  to  any  part  of 
the  United  States,  three  cents  per  half  ounce,  or 
fraction  thereof,  to  be  fully  prepaid,  or  penalties 
will  be  inflicted  as  below  stated. 

Drop  or  local  letters  at  Post  Offices  having 
letter  carriers,  two  cents  per  half  ounce,  or  frac- 
tion thereof,  at  offices  not  having  letter  carriers, 
the  rate  is  one  cent  per  half  ounce,  or  fraction 

Letter  rate  of  postage  will  be  charged  on  all 
matter  (excepting  as  below  noted)  that  has  any 
communication  in  writing,  or  by  signs,  except- 
ing the  correction  of  typographical  errors,  and 
upon  all  matter  that  is  not  so  enclosed  as  to 
permit  it  to  be  examined  without  destroying  the 
wrapper  ; and  upon  all  matter  in  which  any 
communication  is  concealed. 

Postage  on  letters  must  oe  fully  prepaid  ; ii 
prepaid  one  full  rate,  they  will  be  forwarded, 
and  the  amount  of  deficient  postage  collected  on 
delivery  ; if  wholly  unpaid,  or  prepaid  with  less 
than  one  full  rate,  they  will  be  sent  to  the  Dead 
Letter  Office,  or  if  forwarded  by  mistake, 
double  the  regular  rates  will  be  collected  on 
delivery. 

Letters  will  be  returned  to  the  writer,  free, 
if  a request  to  that  effect  is  placed  upon  the  en- 
velope. 

A letter  will  be  forwarded  by  the  Postmaster 
who  may  hold  it  to  another  post  office  at  the 
request  of  the  person  to  whom  the  letter  is 
addressed. 

Stamps  cut  from  Stamped  Envelopes  are 
valueless. 

The  weight  of  a letter  packet  must  not  exceed 
four  pounds. 

POSTAL  CARDS, — Price  one  cent  each,  re- 
gardless of  quantity. 

Nothing  must  be  added  to  or  pasted  on  a 
postal  card,  not  even  a pasted  address,  nor  a 
piece  of  cord,  nor  an  eyelet. 

The  address  must  be  placed  on  the  face,  (or 
stamped  side)  of  the  card,  and  the  communica- 
tion, which  may  be  either  written  or  printed, 
on  the  back.  Two,  or  more,  advertisements  can 
be  printed  on  the  back  of  the  same  card. 

They  may  be  sent  to  any  part  of  the  United 
States,  and  are  entitled  to  all  the  privileges  of 
Letters,  excepting  that— 

1.  They  will  not  be  returned  to  the  sender. 


A card  containing  any  scurrilous  or  indecent 
communication  will  not  be  forwarded. 

Postal  Cards  prepaid  with  an  additional  one 
cent  stamp  can  be  sent  to  Canada,  Newfound- 
land, Germany,  Switzerland,  Austria,  Belgium, 
Denmark,  Great  Britain  and  Ireland,  Greece, 
Holland,  Moldavia,  Norway,  Portugal,  Rou- 
mania,  Russia,  Servia,  Spain,  Sweden,  Turkey, 
Wallachia,  Italy,  Poland  and  Egypt. 


MISCELLANEOUS  PRINTED  MATTER,  not 

exceeding  four  pounds  in  weight,  one  cent  for 
each  two  ounces,  or  fraction  thereof,  prepaid  by 
stamps. 


This  class  includes  all  productions  of  print- 
ing or  lithography,  and  a few  other  articles, 
among  which  are  the  following  : 

Book  Manuscript. 

(Manuscript  or  Proof  Sheets  belonging  to 
other  than  book  work  are  rated  at  letter 
rates.) 


Cards,  printed. 
Chromos. 
Circula  s. 
Engravings. 
Hand  Bills. 


Lithographs. 

Maps. 

Music  Sheet. 

Pamphlets. 

Posters. 


PROOF  SHEETS,  corrected  or  uncorrected, 
one  cent  for  each  two  ounces  or  fraction. 


Transient  Newspapers,  Magazines  and  other 
Periodicals  (not  sent  by  a publisher  to  a sub- 
scriber) not  exceeding  four  pounds  in  weight, 
one  cent  for  each  two  ounces  or  fraction,  pre- 
paid by  stamps,  and  care  should  be  taken  that 
the  paper  is  prepaid  according  to  weight,  before 
mailing  it. 

CIRCULARS,  unsealed,  not  exceeding  four 
pounds  in  weight,  one  cent  for  each  ounce,  pre- 
paid by  stamps. 

A “ circular  ” is  understood  to  mean  a sheet 
similar  to  an  ordinary  letter  sheet ; it  is  not 
a pamphlet  nor  anything  that  assumes  that 
shape. 

The  package  may  contain  the  circulars,  or 
cards,  or  catalogues  (see  Books),  or  any  printed 
matter  relating  to  the  business  of  one  firm  or 
of  more  than  one  firm. 


A circular  may  have  a written  address  inside, 
but  no  other  writing. 


2.  They  will  not  be  advertised  or  sent  to  the 

Dead  Letter  Office,  if  not  called  for. 

3.  If  not  delivered  in  sixty  days  they  will  be 

burned  by  the  Postmaster. 

Any  Print’d  Card  may  be  sent  through  the 
mails,  if  prepaid  with  one  cent  stamp,  provid- 
ing it  contains  no  written  matter  except  the 
address,  which,  with  the  stamp,  should  occupy 
one  side  of  the  card. 


For  local  delivery,  by  carrier  in  city  where 
mailed,  one  cent  for  each  circular. 

BOOKS,  not  exceeding  four  pounds  in  weight, 
one  cent  for  two  ounces,  or  fraction  thereof, 
prepaid  by  stamps. 

All  packages  that  are  over  the  prescribed  weight 
are  subject  to  letter  postage,  and  no  package  will 
be  forwarded  unless  fully  prepaid . 


Convenient  Deodorizer — Coffee  roasted,  ground  and  exposed  in  an  open  vessel  is  a 
more  powerful  deodorizer  than  chloride  of  lime,  without  its  disagreeable  smell. 


THE  CHRONICLE  ALMANAC.  31 


(POSTAL  INFORMATION,  continued.) 


PACKAGES  OR  SAMPLES  of  Merchandise, 
Metals,  Ores,  Minerals,  &c.,  not  exceeding  four 
pounds  in  weight,  one  cent  for  each  ounce,  or 
fraction  thereof,  prepaid  by  stamps. 

This  rate  includes  everything  that  is  not  the 
production  of  the  printing  press. 

Postal  matter  of  this  description  must  be 
wrapped  so  that  the  contents  cau  be  examined 
without  cutting  or  injuring  the  wrapper. 

Seeds  may  be  placed  in  sealed  bags  of  a suffi- 
ciently transparent  nature  to  show  the  contents 
clearly. 

All  Liquids,  Poisons,  Explosives,  &c.,  &c.,  or 
anything  liable  to  injure  or  deface  the  contents 
of  the  Mails,  will  not  be  forwarded.  If  such 
articles  are  deposited  in  the  Mails,  they  are 
thrown  away,  as  they  cannot  even  be  sent  to 
the  Dead  Letter  Office. 

A business  card  may  be  printed  or  pasted  (if 
printed)  upon  the  wrapper  or  envelope. 

Samples  may  be  numbered  or  marked  by 
signs  to  correspond  with  similar  marks  on  cata- 
logues, invoices  or  letters. 

The  sender  of  a package  may  write  his  or  her 
name  and  address  on  the  wrapper,  or  in  or  on 
its  contents,  with  the  word  “ from  ” preced- 
ing it. 

The  names  and  numbers  of  articles  in  a 
package  may  be  written  or  printed, 

Typographical  errors  in  circulars,  price  cur- 
rents, catalogues,  &c.,  may  be  corrected  by 
writing. 

DOMESTIC  MONEY  ORDERS. 

These  orders,  payable  at  any  Money  Order 
Post  Office  in  the  country,  are  issued  at  the  fol- 
lowing rates  : 

On  orders  not  exceeding  $15 10  cts. 

“ over  $15  and  not  exceeding. . $30 15  “ 

« « 30  “ “ 40 20  “ 

“ » 4=0  “ “ 50 25  “ 

When  more  than  $50  is  required,  additional 
orders  must  be  obtained,  but  not  more  than 
three  orders  will  be  issued  in  one  day  to  the 
same  payee  at  the  same  office. 

If  a money  order  is  lost,  a certificate  should 
be  obtained  from  both  the  paying  and  issuing 
postmaster  that  it  has  not  been  paid,  and  wi  1 
not  be  paid,  8nd  the  Department  at  Washington 
will  issue  another  on  application. 

If  a money  order  is  not  collected  within  one 
year  from  date,  it  is  invalid,  and  can  only 
be  paid  by  the  Department  at  Washington  on 
application  through  the  issuing  or  paying  post- 
master. 

CANADIAN  MONEY  ORDERS. 

Post  Office  Money  Orders  on  Canada  can  be 
obtained  at  the  Post  Office,  payable  at  the  prin- 
cipal cities  in  the  Dominion  of  Canada,  at  the 
following  rates  : 


For  $10  or  less 20  cents. 

Over  $10  but  not  over  $20 40  “ 

“ 20  “ “ 30 60 

“ 30  “ “ 40 80 

“ 40  “ “ 60 $1.00 


No  order  issued  for  more  than  $50. 


The  orders  are  issued  payable  in  Canadian 
dollars,  which  are  equivalent  to  the  U.  S. 
gold  dollar,  and  are  to  be  paid  for  by  United 
States  or  National  Bank  Notes  on  the  basis  of 
premium  on  gold,  on  day  of  issue. 


INTERNATIONAL  OR  FOREIGN  MONEY  OR- 
DERS. 


Fees  and  Money  payable  in  National  Bank  or 
Treasury  notes.  All  orders  calculated  at  gold 
valuation,  and  the  opening  premium  of  gold  on 
day  of  purchase  charged  to  buyer. 


On  Great  Britain  and  Ireland,  $4.86  2 3,  gold, 
to  Pound  Sterling, 


On  Switzerland,  5.15  Francs  per  Dollar. 
Orders  issued  at  the  following  fees : 

Not  exceeding  $10 25  cents. 

Over  $10,  but  not  over  $20 50  “ 

“ 20  “ “ 30 75 

“ 30  “ “ 40 $1.00 

“ 40  “ “ 50 1.25 


German  Empire,  71  cents  per  Thaler. 
Orders  issued  at  the  following  fees: 


Not  exceeding  $5 15  cents. 

Over  $5,  but  not  over  $10 25  “ 

“ 10  “ “ 20 50  « 

“ 20  “ “ 30 75 

“ 30  “ “ 40 $1.00 

“ 40  “ “ 50  1.25 


Orders  can  also  be  obtained,  via  Switzerland, 
on  Austria,  Belgium,  Denmark,  France,  Hol- 
land, Italy,  Norway,  Russia,  Sweden,  subject, 
however,  to  the  rates  of  the  Swiss  Department 
to  those  countries. 


REGISTRATION  FEE,  on  packages  prepaid 
at  letter  rates  not  over  four  pounds  in  weight, 
to  any  part  of  the  United  States,  ten  cents  for 
each  package,  in  addition  to  the  postage.  The 
package  must  be  endorsed  on  the  back,  with 
the  name  and  address  of  the  sender,  and  a re- 
ceipt will  be  returned,  from  the  person  to 
whom  the  letter  is  addressed. 


FOREIGN  POSTAGE. 

REGISTRATION  FEE,  on  Letters  and  oth- 
er articles  addressed  to  foreign  countries,  is 
ten  cents,  which,  including  postage,  must  be 
prepaid  by  stamps. 

PATTERNS  OR  SAMPLES  OF  MERCHANDISE 
having  any  intrinsic  or  dutiable  value  will  not 
be  forwarded. 

Limit  of  Weight.  The  maximum  weight  for 
patterns  of  merchandise  is  two  hundred  and 
fifty  grammes,  or  eight  and  thr*e  fourths 
ounces,  and  the  maximum  weight  of  other  arti- 
cles, except  letters,  is  one  thousand  grammes, 
or  two  pounds  three  ounces. 

There  must  be  no  writing  or  printing  upon 
or  in  any  packet  except  the  address  of  the 
sender,  a trade  mark  or  number,  and  the  price 
of  the  articles. 

Periodicals  published  in  the  United  State0,  at 
intervals  of  more  than  31  days,  go  to  Great 
Britain  at  newspaper  rates. 


That  peace  is  an  evil  peace  that  doth  shut  truth  out-of-doors.  If  peace  and  truth  cannot  go 
together,  truth  is  to  be  preferred,  and  rather  to  be  chosen  for  a companion  than  peace. 


32  THE  CHRONICLE  ALMANAC. 

GIRARD 


NSURANCE 

OFFICE  : 


OMPANY, 


N.  E.  Cor.  Chestnut  and  Seventh  Sts. 


PHILADELPHIA,  Pa. 


CHARTER  PERPETUAL. 


CAPITAL,  . . $300,000. 

ASSETS,  JANUARY  1,  1877. 

Assets,  . . . $1,110,276.66 

Paid  in  Capital,  . . . 300,000.00 

Net  Surplus,  overall  Liabilities,  including  Capital,  418,488.09 

ALFRED  S.  GILLETT,  President, 

P.  C.  ROYCE,  Secretary.  JAS.  B.  ALVORD,  Vice-Pres't 
J.  B.  ALLEN,  Ass’t  Sec’y. 

I/ving  is  trying  to  hide  in  n fog  ; if  you  move  about  you  are  in  danger  of  bumping  your  head 
against  tho  truth  ; a3  soon  a3  thofog  blow3  off,  you  are  sure  to  be  discovered. 


THE  CHRONICLE  fi  ,MANAT 


33 


Charter  Perp 


>etual. 


FRANKLIN 

FIRE  INSUT^ange  COMPANY,. 

OF 

PHILADELPHIA. 

Capital, 

Insurance  Her 
Unpaid  Los*-  'erv®  - 
Net  Surplr  & and  Dividends, 


Altai  Cash  Assets,  January  1st,  1 877, 


$400,000.00 

2,100,334.74 

85,800.15 

766,730.55 


$3,352,865.44 


OFFICERS, 

GEORGE  FALES,  Vice-President. 
.■FS  w.  McALLISTER,  2d  Vice-President.  THEO.  M.  REGER,  Secretary. 

SAMUEL  IV.  KAY,  Assistant  Secretary. 


ALF 

j.  .RED  G.  BAKER,  President. 


Nature  has  l iven  man  one  tongue,  but  two  ears,  that  he  may  hear  twice  as  much  as  he  speaks 


NATIONAL  LIFeTnS.  CO.,  U.  S.  of  A. 

WASHINGTON,  D.  C. 


CHARTERED 

Cash  Capital, 

Assets,  July  i,  1877 
Surplus,  “ “ 


BY  00HGRESS. 


$1,000,000,00 

#4,086,825.98 
#1,346,036.37 


ALL  THIS  SURPLUS  IS  SECUR'TY  ADDITIONAL  TO  THE  RESERVE,  WHICH  IS 
CALCULATED  ON  A 6 PER  CENT  BASIS. 


RATIO  OF  ASSETS  TO  LIABILITIES,  149  PER  CENT. 

THE  LARGEST  CAPITAL  OF  ANY  LIFE  INSURANCE  COMPANY  IV  THE  WORLD. 

PERFECT  SECURITY.  LOW  RATES  OF  PREMIUMS.  DEFINITE  CONTRACTS. 

OFFICERS. 

EMERSON  W.  PEET,  President  and  Actuary  JOHN.  M.  BUTLER,  Sec.  [Executive  Cora. 
J . ADLER  ELLIS,  Vice-President.  SAMUEL  M.  NICKERSON,  Cha  rmau  Fin.  and 

DIRECTORS. 

Sam’l  M.  Nickerson,  A.  A.  Carpenter  Emerson  W.  Peet,  H.  H.  Porter, 

John  V.  Farwell,  Frank  D.  Gray,  J.  Alder  Ellis,*  F.  H.  Kales, 

Anson  Stager,  Geo.  C.  Clarke.  Jonn  M.  Butlkr,  A.  S.  Pratt. 


“ Chance  never  helps  those  who  do  not  work." 


34 


THE  CHRONICLE  ALMANAC. 


•zo  x *op  ; 

•zo  f -op  * 

•zo  z ''OJ?  ‘sax<Inn?3 


q0B0‘;u0JJU0  *op  | g 
zo  x ‘iu9.uno  *op  * \ y'* 
•zj  5 Tngjjno  egoiad  j ^ 


•zo  i 'gj'BxnoJTOX  I j 

•zo  f gxexnoato*  I ; 

•zo  z 'e-ejiioaio  \ 


Q®(N«(NiM(NCTOt1 


J9q?o  no 


•gpjBO  i^xsoj 


•goraoiBJO  qx 
qoB9  aoj 


•90UTIO  JI«H 
qo*a  joj; 


OQ 

W 

E-* 

P 

O 

C4 

Q 

fc 

cc 

w 

2 

h 

Jz; 

P 

o 

o 


* 50  cn  h c 


o o o o o 


o o o • o o o 


o o o o o o c 


5000000 


COIOIOBOO 


s£ 


•a  £ * -c 

.2  • 2 ® 

?.M  § g 

if  § 


§*  ® 

g.2  o o 


§ a~ 

2 ,2  a 
a Us 
.5^® 
>■  . « 


‘03 


£S 


®-d  o 

O’!  a.~ 


1 

■g  g 8 cc  *H  .S  .S 
-rt  -g 5 fe  =3  =3 

'Sod-l^gJ83 

a § ^ .5 

Shoo'd' 

g g .2  S -d  -d  -d  . 

so  o ft  2 

3 ■<■<■< 


-gW  3, 

ss«5l 

jg-Sta'S  t* 
•g  &o+>  a « 
S a a H o 
73  ® 

£1533 

■a  ^ a C >> 

■gas 


S-saiE 

a n'^’3’®  ®"o  o i 


S 2 g«  | 

Wfflas'l 

■ ® § *2  *< 
<£  2 cS 

'M  fl  g>£ 

„*g  d1®-4-  § 
* ® o a C9  a 

o a _ 

oS  ffl  © ° o 

a p,  p,  >>£  •£ 
a c3  ca  © 
'OUOO  O 


-d 


36  THE  CHRONICLE  ALMANAC. 


LYCOMING 

FIRE  INSURANCE  CO. 

op 

MUNCY,  PA. 


ESTABLISHED  1840. 


MUTUAL  AND  CASH  RATES. 


Losses  Paid,  over  - $7,000,000.00. 


W.  P.  I.  Painter,  - - President. 

James  M.  Bowman,  - Secretary. 

W.  H.  H.  Walton,  - - Treasurer. 


MANAGER  EASTERN  DEPARTMENT; 

E.  A.  MOORE, 

161  BROADWAY,  N.  Y. 

A professional  diver,  who  desired  to  become  a performer  on  the  piano,  was  told  that,  as  a 
beginner,  he  would  be  kept  constantly  on  the  scales.  He  replied  that  he  was  accustomed  to 
being  weighed  down. 


THE  CHRONICLE  ALMANAC.  37 


THE  DISAGREEMENT  OF  THE  DOCTORS. 

The  Commissioners  and  Actuaries  perplexed  as  to  the  proper  treatment  of  a Life  Company 
ridden  almost  to  death  by  State  supervision. 

Handicapped  with  iniquitous  laws,  and  ridden  almost  to  death  by  the  jocldes 
of  the  Insurance  Departments  of  several  States,  it  was  finally  proposed  1 o perform 
a surgical  operation  on  a Life  Insurance  Company.  But  the  -‘doctors”  differed 
widely  in  the  mode  of  treatment  to  be  prescribed,  and  the  grossly  ill-used  patient 
was  forced  to  submit  to  the  quackery  peculiar  to  each.  Although  the  “4  % re- 
serve” lash,  as  illustrated  above,  has  been  applied  in  several  instances,  Life 
Insurance  still  survives. 


38 


THE  CHRONICLE  ALMANAC. 


•ojy  'satduiBg 
‘aanujM 
pa^ntaj  Jaqxo 


zo  i ‘xuajing  -opj. 
zo*  ‘^aajjuo-  jp* 
•^uaajiuj  saotaj 


•zo  x ‘siBinoatQj. 
•zo  f ‘sa'Binojio* 
•zo  z ‘sjBinoaio 


•aaX'^M 

aaq^o  uq 


•sjta^a^x 
uo  9a,i 


o i 


eainutBao  sx 
qo*a  Jo,i 


•oouno  JI^H 

qo«a  aoj 


-fl  ^ rH  r-l  (M  tM  -c 


O O .OO 


3 0 0 0 0 


JlOODOHlOlOOOO 


0000 


o . .0  'oot-t-iao 


CQ 

W 

h 

P 

O 

P$ 

n 

fc 

<1 

m 

w 

H 

ti 

H 

fc 

P 

O 

o 


pg 
o . 

0*02  w 

S4»  O 

2 °<S 


^ 3-  , 

a 2 ^ 

cS-i 

I 


2* 

n 3^ 

pi 


3 <D  'PS  »>»  C 
2 - a ^ ' 


3 ^ j3  ,2  3 

•sie^gg 

& Q 0«  > ® O 

, a P .2*  jj  .3®o  .a 

r«(ii2  ‘-So  > j o g 

all  Is  Isa  s 


a** 


i si 

ait 

£ i \ 


25-5  p I 

H P •?  " 2 
0 c3  a t r3 


'3 

221 


aa|* 


0-3 

•$ 

^ a 42 

fl  jj  a 

o o5-ON 
£ £ & 

; ££  & 


J* 

Xj  iac  00  ^ 

2 P’”^ 

RWTJrf 
* *«■! 

ils£&® 


M 

rt 

. . P . - 
o o g3  • b 2 

p « 


{5  S^Pg 


40  THE  CHRONICLE  ALMANAC. 


Organized 


1858 


By  Imperial  Decree. 


LA  CAISSE  GENERALE, 

OR 

FRENCH  INSURANCE  CORPORATION. 

Paris,  France. 

Hon.  JULES  LE  CESNA,  President.  M CH  LARROTTciqu1  q 

(Member  of  French  Par.iament.)  ' ■LiAJJ-BOUSSE,  SECRETARY. 

F3RE  INSURANCE  EXCLUSIVELY. 

CAPITAL,  ....  12,000,000  Francs. 

Assess  in  the  United  States,  - . $4.00  000  00 

M.  JULIEN  L3  CESNA  ? 9 

13.  O.  WEST,  Sup,,.  Agency  Department,  Chicago. 


wiS^Sn^S:  in  a Cllain  cf  I^Unce  ; 


Milwaukee  Mechanics  Mutual  Insurance  Go. 

MILWAUKEE,  WIS. 

CHR.  PREUSSER,  President.  ADOLF  J.  CRAMER,  Secretary. 
Assets,  Oct.  i,  1877, 

n 1 A //’  ‘ * * $754,i73-oo 

Cash  Assets, 

• • 527,652.00 

Net  Cash  Surplus,  (beyond  Premium  Notes.)  278,886.00 

B3  wllat  y°"  seem  to  be. 

FIRST  national  fire  insurance  co., 

OF  WORCESTER,  MASS. 

CHAS.  B.  PRATT, 


President. 


JOHN  M.  WH1TON,  Agent, 
165  and  167  Broadway, 


NEW  YORK. 


^Dojgood  wherever  you  can,  and  forget  it. 


> y°u  cannot  draw  one  link 


THE  CHRONICLE  ALMANAC. 


LIST  OF  GOINS 


WITH  THEIR 


UNITED  STATES. 

GOLD  COINS. 

Quintuple  Eagle 

Double  Eagle 

California  2 h Eagle 

“ Double  Eagle. . . 


Old  Eagle  (1795) 

Eagle  (1841) 

Cincinnati  Mining  Co's  Eagle 

Humbert’s  California  Eagle 

j.  s.  o.  “ 

Moffatt’s  “ “ 

Templeton’s  “ “ 

Miner’s  Bank,  “ “ 

Mormon  Piece 

Oregon  Co.,  (Beaver  Com) 

Old  Half  Eagle .....’.V. 

Hdt  Eagle 

Mass.  Calit’a  Company  A Eagle. 

Bechtler  Half  Eagle. . . .”. 

Dunbar  & Co.,  Calif’a  h Eagle*.  .* .’ . 
G.  &N.  San  Francisco  h Eagle 

California  Half  Eagle 

Oregon  Company 

Three  dollar  pieces 

Old  Quarter  Eagle 

Mormon  Piece 

Quarter  Eagle 

Georgia  4 Eagle 

North  Carolina  Dollar 

Bechtler  Dollar 

Old  One-dollar  Piece 

New  “ “ “ 

California  Half  Dollar ’ 

“ Quarter  Dollar 


SILVER  COIN. 

Pine-tree  Shilling 

Quarter  Dollar 

Dollar 

Half  Dollar 

Dime 

Half  Dime 


PLATINA,  COPPER,  & NICKEL  COIN. 

Tkree-cent  Piece,  (Platina) 

One  “ “ (Copper 

One  “ “ (Nickel) 


50  00 
20.00 

23.50 

19.90 
19.20 
16.00 

10.50 
10.00 

9.60 

9.90 
9.85 
9 85 
9.85 

9.85 
8.00 
8.00 
5.25 

5.00 
4. 75 
4. 7c 
4.75 

4.85 
4 85 
4 75 

3.00 
2.62 
4 00 

2.50 
2.37 

.93 

.93 

1.00 
1.00 

.40 

.20 


GREAT  BRITAIN. 

GOLD  COINS. 

Five  Sovereigns 

Double  Sovereign 

Mohur 

Guinea 

Sovereign 

Half  Guinea 

Half  Sovereign 

Half  Sovereign 

One-third  Guinea 


SILVER  COIN. 

Bank  of  Ireland  Token 

Bank  of  England  Token 

Crown 

Half  Crown 

Three  Shilling  Token 

Thirty-penny  Token 

John  Robertson  Token 

Florin 

One-aud-Six-penny  Token. . 

One  Shilling 

Queen  Elizabeth  Sixpence. . 

Sixpence 

Fourpence 

Sixpenny  Token 

Threepenny  Piece 

Twopenny  Piece 

One-and-a-halfpenny  Piece. 
Onejienny  Piece 


COLONIAL  SILVER  COIN. 


.16 

.25 

1.00 

.50 

.10 

.05 


One  Dollar  (Sierra  Leone) . 
Three  Gilders  (Demerara). 

Rupee 

Quarter  Pagoda 

Quarter  Dollar 

Ha’f  Rupee 

Shilling 

Two  Macutos 

Half  Gilder 

One-eighth  Dollar 

Quarter  Rupee 

Quarter  Gilder 

Two  Annas  

One-sixteenth  Dollar 

One- eighth  Gilder 


41 


UNITED  STATES  MINT  VALUE. 


24.10 
9.64 
C 72 
5.00 
4 82 
2.50 
2.40 
2v0 
1.66 


1.00 

1.00. 

1.00 

.55 

.50 

.40 

.40 

.45 

.22 

.22 

.11 

.11 

.07 

.06 

.05 

.03 

.02 

.02 


.80 

.73 

.40 

.34 

.22 

.20 

.22 

.20 

.12 

.11 

.10 

.06 

.05 

.05 

.03 


Serenades  to  public  men  not  only  show  that  the 
that  he  furnished  the  cash  to  pay  the  band 


man  is  appreciated,  but  sometimes  proves 


42  THE  CHRONICLE  ALMANAC. 


ALLIANCE 

INSURANCE  COMPANY 

OF 

BOSTON,  Mass. 


ORGANIZED  JULY 

1st,  1875. 

Cash.  Capital,  - - 

$200,000. 

GEORGE  H.  LONG , 

President . 

CHARLES  R.  HO  WARE, 

Secretary. 

POLICIES  ISSUED  AGAINST  PIEE  LOSSES  ONLY. 


AGENCIES  IN  ALL  THE  PRINCIPAL  CITIES. 


The  man  who  comes  to  the  depot  two  minutes  behind  time,  and  sees  the  railroad  train 
scudding  out  at  the  other  end,  derives  no  satisfaction  from  the  proverb,  “ Better  late  than 
never.” 


THE  CHRONICLE  ALMANAC. 

43 

COINS— Continued. 

CANADA. 

n 6 1 

GERMAN  STATES. 

| g 

SILVER  COIN— CONTINUED. 

Three-and-one-half  OildpTR 

Q O 

.20 

1.30 

1.30 

.10 

Double  Thaler 

.05 

Three  Gilders 

1.06 

Crown  Thaler 

1.00 

FRANCE. 

Crown 

Crown  of  Baden 

1.00 

1.00 

GOLD  COIN. 

9.00 

Specie  Thaler 

1.00 

Double  Louis  D’Or 

W urtemburgh  Crown 

1.00 

Forty  Frarcs 

7.64 

Old  Crown 

.90 

4.50 

Convention  Thaler 

.90 

Twenty  Francs 

3.82 

Rix  Thaler. 

.90 

rJ>n  Francs 

1.88 

Six  Marks 

.90 

1.10 

Bavarian  Dollar 

.90 

Rix  Dollars. 

.90 

SILVER  COIN. 

Convention  Thalers 

.90 

n 

1.00 

Five  Livres 

.90 

1.00 

Two-and-a-half  Gilders 

.90 

.90 

Specie  Thaler  of  Bavaria 

.90 

.50 

Four  Marks 

.80 

.36 

Double  Gilder 

.70 

r\  * n 

.24 

Thaler 

.70 

(Quarter  urown 

Thi vHf  ftnlq 

.24 

Three  Kreutzers 

.02 

.15 

Six  Pfennigs 

.01 

Plff  pnn  Ro]q 

.12 

Two  Marks 

.50 

.18 

Florin 

.45 

.12 

Hungarian  i Dollar 

.45 

Tw6lv6  Sols 

.10 

24  Marie  Groschen 

.45 

Ten  Sols 

.08 

Half  Specie  Thaler 

.45 

.08 

Half  Specie  Thaler 

.42 

Half  Franc 

.08 

Two-and-a-half  Francs 

.37 

.08 

Gilder 

.35 

Fifty  Centimes 

.04 

Mark 

.25 

Twenty-five  Centimes 

Quarter  Franc 

.04 

Thirty-six  Grotes 

.28 

One-third  Piece 

.28 

GERMAN  STATES, 

Half  Thaler 

Two  Lire 

.30 

.30 

GOLD  COIN. 

One-sixth  Rix-Dollar 

.20 

Quintuple  Ducat 

11.00 

Thirty  Kreutzers 

.20 

.20 

Double  D’Or  

7.86 

Half  Florin 

Ten  Thaler  

7.86 

One-third  Thaler 

.20 

Carolin. 

4.80 

Half  Gilder 

.16 

Twenty-five  Fran  ns. 

4.75 

Ten  Schilling 

.15 

Drmble  Ducat 

4.50 

Twenty  Kreutzers 

.15 

Ton  Gilders 

4.00 

Twenty  Schillings  (base) 

.12 

Five  Thalers, 

3.90 

One-sixth  Specie  Thaler 

.15 

Fred.  D’Or 

3.90 

Twenty  Grani 

.15 

Half  Carolin 

2.40 

Six  Marie  Groschen 

.12 

Ducat  

2.20 

Half  Mark 

.12 

Five  Gilders 

1.98 

Quarter  Florin 

.10 

Two-and-half  Thaler 

1.95 

One-sixth  Rix  Thaler 

.10 

Ten  Francs 

1.90 

Twelve  Grotes 

.10 

Twelve  Marks 

1.55 

One-sixth  Piece 

.10 

Quarter  Carolin 

1.18 

Four  Groschen 

.10 

What  fingular  contradictions  there  are  throughout  nature  and  life.  For  example:  Salt 
■water  gives  us  fresh  fish,  and  hot  words  produce  coolness. 

44  THE  CHRONICLE  ALMANAC. 

ANNUAL  STATEMENT  OF  THE 

NEW  YORK  CITY 

INSURANCE  COMPANY, 

OF  NEW  YORK. 

OFFICE,  lOO  BROADWAY, 


January  ls£,  1877.  As  required  by  the  Laws  of  the  State  of  New  York,  Passed  May  8,  1877. 


CAPITAL  STOCK,  .......  $200,000  00 

INSURANCE  RESERVE, 40,136.84 

UNPAID  LOSSES,  including  all  other  liabilities,  . . . 3,000.00 

NET  SURPLUS, 22,630.63 


$265,767.47 

$113,875.00 
61.000.00 
. 66,125  00 

6,425.00 
. 12.964.93 

452.79 
. 14,924.75 

$265,767.47 

JOHN  W.  SIMONSON,  <■  ocrctary.  RICHARD  L.  FRANKLIN,  President. 


Assets. 

U.  S.  Government  Bonds,  5-20s, 

U.  S.  Government  Bonds,  Currency  Sixes, 

U.  S.  G >verument  Bonds,  New  Fives, 

N.  Y.  Gu  ira  ity  Indemnity  Co.  (Stock) 

Ca-sh  in  Bank  and  Office, 

Ac  rued  Interest.  .... 
Premiums  due  and  unpaid, 


Scorn  to  do  a mean  action. 


1849.  “OLD  AND  TRIED.”  1877. 

GLENS  FALLS  INSURANCE  COMPANY, 


GLENS  FALLS,  N.  Y. 


R.  M.  LITTLE,  President. 


J.  L.  CUNNINGHAM,  Secretary. 


Fifty-Fifth  Semi-Annual  Statement,  July,  1877. 

Finarcial  condition  of  tTo  Company  ns  found  on  actual  examination  by  the  Insurance 
Department  oF  the  State  of  New  York,  and  as  reported  by  the  Honorable,  the  Superintend- 
ent th  re  >,',  -July  31st,  1877,  and  m also  shown  by  the  sworn  statement  of  the  Company  ’a 
officers,  filed  in  sai  .1  department  at  that  date. 


CASH  CAPITAL,  .... 

Reinsurance  Reserve,  (New  York  Standard,)  . 

Unpaid  L "sses — all  claims. 

Reserve  for  Contingent  Fun  1, 

Not  Surplus  over  all  actual  or  contingent  liabilities  including  Capital, 


$200,000.00 
257,456.44 
11,647.00 
14,212.75 
, 320,000.00 


Total  Cash  Assets,  .....  $833,316.19 

This  Company  conducts  all  its  business  under  theNsw  York  Safety  Fund  Law, 
(passed  April  16th,  1374,)  under  wnich  law  it  has  the  following  specific  funds. 

Guaranty  Surplus  Fund,  . . , ; $160,000.00 

Special  Reserve  Fund,  ....  160,000.00 

Statement  in  detail  tarnished  by  Agents,  or  from  Home  Office  on  application. 

Moments  of’triumph  are  not  always  moments  of  happiness. 


THE  CHRONICLE  ALMANAC.  49 


COINS— Continued. 


ITALY. 

SILVER  COINS — CONTINUED. 

Lira 

Cue-fifth  Scudo  of  Lucca. . . . 

Sicilian  Lira 

Fr.iuc 

Livre  

Drachm i (Greece) 

Twenty  Grani 

Two  Carlin 

Half  Testoon 

Half  Drachmi,  (Greece) 

Ten  Soldi 

Quarter  Testoon 

Fifty  Centimes 

Ten  Grani 

Carlin 

Seven  Soldi 

Five  Soldi 


Q <3 

.18 
.18 
.16 
.16 
.16 
.15 
.15 
.15 
.14 
.07  | 
.07 
.07 
.07 
.08  ! 
.06  I 
.05 
.04 


SWEDEN,  DENMARK  AND  NORWAY. 

GOLD  AND  SILVER  COINS. 

Eight  Marks 

Specie  Dollar 

Rix-dollar  ....  

Specie  Dollar 

Old  Ducatoon 

Six  Marks,  (old  piece) 

Forty  Schillings 

Four  Marks 

Half  Rix-dollar 

Oue-tifth  Specie  Dollar,  (base).  . . . 

Half  Specie  Dollar 

One-fourth  Specie  Dollar 

Sixteen  Skillings,  (base) 

Twenty-four  Skillings 

Twelve  Skillings,  (base) 

Twen  y Skillings* 

Double  Ducat 

Eight  Skillings 

Twenty-four  Skillings,  (base) .... 

Two  Skillings,  (base) 

Twelve  Skillings 

Eight  Danish  Skillings 

Eight  Skillings 

Four-Skillings 

Two  Skillings 


1.10 

.98 

.98 

.98 

.90 

.73 

.60 

.48 

.48 

.20 

.44 

20 

.10 

.10 

.10 

.05 

4.40 

.08 

.06 


.05 

.04 

.03 

.02 

.01 


NETHERLANDS  AND  HOLLAND. 


NETHERLANDS  AND  HOLLAND. 

SILVER  COINS— CONTINUED. 

Ducatoon 

Rix-dollar 

Two-third  Rix-dollar 

Thirty  Stivers 

Specie  Dollar 

Rix-doJJar 

Thirty  Stivei  s 

Half  Rix  Dollar 

Two-thirds  Thaler 

Gilder 

Ten  Stivers 

One  sixth  Rix-dollar 

Six  Stivers 

Five  Stivers 

Eight  Stivers,  (base) 

Six  Stivers 

Half  Rix-dollar 

Quarter  Floriu 

Two  Stivers 

RUSSIA  AND  POLAND. 

GOLD  AND  SILVER  COINS. 

Imperial 

Five  Roubles 

Rouble-and  a-half 

Rouble  . 

Fivo  Zlot 

Half  Rouble 

Thirty  Kopeks 

Two  Zlot 

Twenty-five  Kopeks 

Twenty  Kopeks 

One  Zlot 

Ten  Kopeks 

Five  Kopeks 


TURKEY. 

SILVER  AND  GOLD  COINS. 

Twenty  Piastres 

Five  Drachmi 

Utchlik 

Half  Altilik 

Altmichlik 

Piastre  

Half  Drachm 

Twenty  Drachmi 


SILVER  COINS. 

Silver  Lion 

Three  Gilders 

Crown  ( f Zurich. . . 

Specie  Dollar 


.98 

1.06 

.98 

.98 


TRIPOLITAN  AND  JEWISH  COINS. 

Ghersh  of  Tripoli 

Fifteen-cent  Piece 

Three-cent  Piece 


o o 


.90 

.90 

.60 

.56 

.98 

.90 

.56 

.38 


.34 

.18 

.15 

.09 

.08 

.06 

.06 

.42 

.10 

.03 


4.00 

3.95 

1.07 

.78 

.50 

.35 

.18 

.18 

.13 

.10 

.10 

.05 

.03 


.86 

.80 

.10 

.10 

.05 

.04 

.08 

3.40 


.10 

.15 

.03 


An  intelligent  Crispin,  hearing  the  question  “What  will  Ir  come  of  the  last  man?”  says  that 
manuiacturi  11  g shoes  by  machinery  is  kuoc  ng  him  out  of  the  business. 


5o  THE  CHRONICLE  ALMANAC. 


THE  HANOVER 

FIRE  INSURANCE  CO. , 

AT  ITS 

Office  No.  120  Broadway, 

In  the  City  of  New  York  and  through  its  regularly  appointed  Agents  in  all  the 
principal  Cities  and  Towns  of  the  United  States,  is  prepared  to  insure  all  des- 
criptions of  insurable  property  against 

LOSS  OR  DAMAGE  BY  FIRE, 

at  adequate  rates  of  premium,  and  upon  approved  forms  of  Policies. 

THE  GROSS  ASSETS  OF  THE  COMPANY 

CONVERTIBLE  INTO  CASH  ARE 

$1,642,882.69 

Cash  Capital,  .....  $500,000  00 

Re-insurance  Fund  (as  required  by  law),  . 525,127  30 

Outstanding  Liabilities,  ....  108,362  15 

Net  Surplus,  ......  509,393  14- 

Total  Assets,  Jan  y 1,  1876.  . . . $1,642,882  59 

The  HANOVER  was  incorporated  in  the  year  1852,  and  during  the  twenty- 
four  years  which  has  since  elapsed,  has  paid  losses  to  its  POLICY-HOLDERS 
amounting  in  the  aggregate  to  over 

$4,275,000.00. 

BENJAMIN  S.  WALCOTT,  President. 

I.  REMSEN  LANE.  Sec’y.  THOMAS  JAMES,  Actuary. 

C.  I.  ROE,  Ass’t  Sec’y. 

Systematise  your  business  and  keep  an  eye  on  little  expenses.  Small  le  4s  sink  a great  ship  . 


THE  CHRONICLE  ALMANAC.  5i 


THE  FIRE  FIEND. 


It  is  well  known  that  many  large  conflagrations  have  had  their  origin  in  crimi- 
nal carelessness.  The  man  who  thrusts  a flaming  torch  into  a powder  magazine 
without  anticipating  the  result  would  be  adjudged  a lunatic.  Yet  many  men 
who  are  apparently  sane  frequently  do  that  which  is  equally  certain  to  produce 
almost  similar  consequences.  The  flaming  oil  lamp  and  the  fuming  cigar  in  a 
cellar  where  kerosene  is  stored,  as  above  illustrated,  is  only  one  of  the  many 
instances  of  this  class  of  incendiarism. 


if the  C h R on7 c l l m a nTc7 


MABIE,  TODD  & BARD, 


manufacturers  OF 


GtOLD  pens, 

pencils,  CASES,  holders,  &C. 

iso  Broadway, 


P.  O.  Box  3254. 


NEW  YORK. 


strrr s - — — 

every  year.  testified  to  by  their  increased  popularity 

If  your  Stationer  not keepf  ^Tr  ^ S°licit  a trial  of  *W 

Sn0t  keep  them’  Please  sen(I  d^ect  to  the  manufacturers. 

description. 

Pens  only,  either  long  or  short  nib,  *o 

“ Oblique  . . # ^ 

“ Palcon  . 

“ L?gal  . 

Barrel  Pens  and  Holders 
Rubber  Barrel  Pens  and  Holders 

r„M  pwTf 6d  BlrreI  Pens’  lT«7  Holders  ' . 

Gold  Plated  Ebony  Desk  Holders 


14 


3 6 7 

00  $2.50  $3.25  04.00 


50  3.00  3.75 
3.25  4.00 
50  3.00  3.50 
..  4.50  5 50  G.75 

5.50  G 75 

••  7.50  9.00  11.00 

. .50  .75  75 


THE  CHRONICLE  ALMANAC.  53 

READ  YOUR  POLICY. 

YOUR  ATTENTION  is  called  to  the  necessity  for  great  care  in  the  wording 
of  your  policies  of  insurance,  so  that  iu  the  event  of  loss  you  will  find  yourself 
“covered.”  The  adjustment  of  loss  after  fire  shows  frequently  that  the  policy 
either  did  not  express  in  plain  terms  the  intention  of  the  insured,  or  that  he 
had  omitted  to  be  explicit  in  stating  what  he  wished.  As  the  written  portion 
of  the  policy  is  short , read  it  after  receiving  it,  and  note  whether  or  not  all  you 
wish  insured  is  named.  To  illustrate,  Mr.  A.  applies  for  $3,000  insurance  011 
his  two-story  brick  store  building,  and  $1,000  on  his  stock  of  drugs  contained 
therein.  Attached  to  the  brick  is  a frame  addition  in  which  may  be  valuable 
goods  ; neither  the  value  of  the  addition  nor  of  the  contents  destroyed  therein 
can  be  recovered,  as  Mr.  A?s  want  of  care  omitted  their  mention  in  the  contract. 

If  a Grocer,  Dey  Goods,  or  other  Meechant,  see  that  your  stock  and  its  loca- 
tion is  described  fully  and  clearly,  and  do  not  be  content  with  insuring  your 
“ Fixtures ,”  when  your  show-case,  safe,  and  store  and  office  furniture  may  be 
destroyed  in  the  same  fire. 

If  a Druggist,  and  order  a policy  on  drugs  and  medicines , your  stock  of  sta- 
tionery, notions  and  fancy  goods  will  be  “ out  in  the  cold.” 

If  after  a fire  you  find  your  shelf  ware  such  as  jars,  salt  mouths,  tincture  bot- 
tles, gallipots,  destroyed  and  no  insurance  thereon,  your  excuse  may  be  “ did 
not  read  the  policy.” 

If  a Printer,  and  order  a policy  written  on  type  and  material,  do  not  grumble 
at  the  company  when  after  a fir’e  you  find  that  you  have  omitted  to  insure  the 
press,  folding  machine,  printing  paper,  ink  and  other  property  material  to  your 
welfare,  but  not  covered  by  the  had  form. 

If  a Hardware  Dealer,  and  order  a policy  on  slock  of  hardware  and  cutlery,  do 
no;  croak  at  the  company  not  paying  for  paints,  ropes  and  cordage  which  were 
destroyed. 

When  insuring  your  dwelling  and  contents,  remember  that  household  furniture 
does  not  include  your  family  wearing  apparel,  books,  paintings,  silver-ware, 
piano  or  sewing  machine. 

Although  your  Brewery  may  have  a good  cellar,  better  provide  for  probable 
loss  on  ale,  beer,  kegs  and  barrels  therein,  as  well  as  the  malt  and  hops  up-stairs. 

The  policy  on  Saw  Mill  will  be  of  greater  value  should  you  have  engine 
and  boiler,  fixtures  and  tools  insured  as  well  as  fixed  and  movable  machinery. 

If  your  Machine  Shop  or  Foundry  is  destroyed,  do  not  kick  yourself  too  hard 
when  noting  that  you  have  omitted  to  insure  patterns,  tools,  flasks,  finished  and 
unfinished  work.  Excuse  yourself  by  thinking  they  wero  covered  under  machinery. 

As  “ th  re  is  nothing  like  leather,”  see  that  your  policy  on  Tannery  and  con- 
tents provides  for  amounts  on  raw  hides,  hides  in  vats,  and  stock  of  leather, 
finished  and  unfinished. 

When  the  Flouring  Mill  building  is  burned,  you  find  that  the  amount  in 
policy  on  grain  will  not  cover  or  attach  to  flour,  offal,  barrels  and  sacks  destroy- 
ed. You  may  quote  with  old  Richard;  “Want  of  care  does  more  harm  than 
want  of  knowledge.  ” 

Make  provision  for  want  in  timo  of  plenty. 

54  THE  CHRONICLE  ALMANAC. 


Read  tour  policy,  continued. 

00NDITI0NS  °F  relative  to  notifying  company  of 

change  of  occupancy,  increase  of  hazard,  vacancy  of  building , etc.,  and  obtain  con- 
sent to  same  by  endorsement  on  policy. 

If  yon  wish  additional  insurance,  permission  must  be  endorsed  upon  the  policy 
you  now  hold.  Any  change  in  Me  should  be  reported  by  you  to  the  company 
Insurance  is  not  a commodity  that  one  can  buy  and  take  home  with  him  to 
eat,  to  wear,  and  feel  secure  in  its  possession.  It  is  simply  the  promise  of  a corpo- 
ration to  pay  something  upon  a contingency.  And  so  it  is  well  that,  buying  the 
promise,  the  individual  should  be  reasonably  certain  that  it  will  be  honored 
. In  th?6  daf*  °f  LOW  1?ATES’  let  us  oppose  the  company  does  not  know  what 
is  an  adequate  premium,  or  a proper  classification  of  risks,  and  writes  very 
much  beiow  the  cost  of  insurance,  so  that  a much  larger  propor'ion  of  its  risks 
burn  than  is  covered  by  the  premiums  and  capital.  The  company  loses  what 
it  has  to  lose,  and  the  insured  lose  the  rest.  It  is  therefore  the  extreme  of folly  for  a 
business  man  to  hunt  for  the  company  that  will  take  his  risks  at  the  lowest  figure,  and 
imagine  Itself  insured.  The  company  takes  his  risk  to  the  extent  of  its 
capital  and  the  value  of  his  premiums,  and  he  takes  the  risk  of  the  company’s 
knowledge  of  its  business  and  honesty  in  the  pursuit  of  it. 

Doubtless  you  agree  with  us  that  property  worth  owning  is  worth  insuring. 

READ  THE  WRITTEN  PORTION  OF  YOUR  POLICY  TO  SEE  : 

1.  That  your  Other  Insurance  is  permitted. 

^ states  truly  the  nature  of  your  Interest  in  the  property  • for  if  it  be 

“d  S°le  °“ip  forUow“nb4 

3.  That  if  the  building  insured  stands  on  Leased  ground,  the  fact  is  stated 

Petm?Ssroa  tCfo?TBgr5nldPlOSiVe  " 

P,fhIiTwVlyOU  otherwise  than  by  Gas  supplied  in  the  usual  way  from 
Public  Works,  or  by  Candles  or  Whale  Oil,  permission  is  given  tl  erefor  But 

permiSssi°omtaDdard  Ker°Sene  ln  dwellmS*  is  generally  allowed  without  written 

You  MUST  PROCURE  THE  WRITTEN  CONSENT  OF  THE  COMPANY 

6.  If  the  premises  be  occupied  or  used  so  as  to  Increase  the  Hazard. 

•.  J;,9r  if  the  Risk  be  Increased  by  the  Erection  or  Occupation  of  neighboring 
buildings,  or  by  any  means  whatever  within  your  control  S ® 

unoccupied tbe  pi'emiSeS>  whether  a dwelIiD8  or  otherwise,  become  vacant  or 
9.  Or  if  the  establishment  shall  Cease  to  run  or  be  Occupied. 

10.  Or  shall  Run  on  whole  or  part  Over  Time,  or  Extra  hours,  or  at  Night 
or^by^Le^aKProces^^r^Decre^1'  ^ °r  Possesst°n  shall  be  made  voluntarily, 

12.  Or  if  you  wish  to  Assign  the  Policy  before  a loss. 

13.  Or  if  Carpenters  or  Other  Mechanics  are  Building,  Altering  or  Repairing 
the  premies  Though  it  is  customary  in  the  case  of  Dwellings  to  allow  fivl 
days  for  such  purposes  in  any  one  year,  without  written  permission  or  notice. 

th®  “C1,assesTpf  Hazards”  printed  on  your  Policy,  and  the  Condition 
which  refers  thereto.  It  is  important. 

Man  may  learn  wisdom  from  a postage-stamp.  It  sticks  to  its  legitimate  business. 


THE  CHRONICLE  ALMANAC.  55 


LEGAL  DECISIONS  AS  TO  LIFE  INSURANCE. 

The  following  decisions  have  been  culled  from  the  latest  reports  of  Life  In- 
surance cases,  and  are  of  great  interest  to  the  insuring  public,  to  show  the 
rights  and  duties  of  the  Insured  under  policies  of  Life  Insurance.  Care  has  been 
taken  to  quote  the  leading  and  ruling  decisions  of  Courts  of  last  resort. 

Accident — In  an  action  upon  a policy  insuring  against  injury  “caused  by 
accident  while  traveling  by  public  or  private  conveyance,”  the  proof  showed 
that  the  assured  after  leaving  a steamboat,  started  on  foot  to  a Railway  station 
and  while  walking  slipped  and  fell,  receiving  injuries  from  which  she  died 
Held — “An  injury  received  while  so  necessarily  walking  in  the  actual  prosecu- 
tion of  a journey,  is  received  while  traveling  by  public  or  private  conveyance 
within  the  meaning  of  the  policy.” — Nortlirup  vs.  Railway  Passengers,  N.  Y. 
Court  of  Appeals,  1871. 

Age  of  Insured — A misrepresentation  as  to  age  though  unintentional,  forfeits 
the  policy  if  there  is  a warranty  as  to  age. — France  vs.  ZEtna  Life,  U.  S.  Su- 
preme Court,  1875 — 5 Big.  587. 

Agent  of  Company — May  receive  premium  if  past  due  and  bind  Company, 
provided  he  is  in  possession  of  the  official  receipts  sent  to  him  in  the  usual 
course  of  business. — Mound  City  vs.  Hulb,  Supreme  Court  of  Ala.,  1873 — 5 Big.  1. 

Answers  in  Application,  if  Warrantees — “All  the  representations  of  the  As- 
sured must  be  substantially  true  or  the  policy  will  be  void.  It  matters  not 
whether  the  representations  are  material  or  not,  nor  that  the  party  insured  made 
the  untrue  statements  innocently  believing  them  to  be  true.  Nor  does  it  mat- 
ter that  the  Agent  who  procured  the  insurance  for  the  Company  knew  the  true 
state  of  facts.  The  policy  embodies  the  contract  and  must  speak  for  itself.” — 
Foot  vs.  ZEtna  Life,  N.  Y.  Commission  of  Appeals,  January,  1875. 

If  not  made  warranties  by  the  conditions  of  the  policy,  the  answers  become 
representations  and  must  be  untrue  on  material  points  to  avoid  the  policy, 

Untruthful  answers  to  material  questions  defeats  the  right  of  recovery. — 
Conover  vs.  Mass.  Mutual,  U.  S.  Circuit,  Mo.,  1874 — 4 Big.  189. 

Assignment  of  Wife’s  Policies — Wife’s  policies  cannot  be  assigned  in  most 
States — In  New  York  it  has  been  held.  “ The  provision,  (Married  Women’s 
Act)  is  special  and  peculiar  and  looks  to  a provision  for  a state  of  widowhood 
and  for  orphan  children,  and  it  would  be  a violation  of  the  spirit  of  the  provi- 
sion, to  hold  that  a wife  insured  under  this  act  could  sell  or  traffic  with  her 
policy  as  though  it  were  realized  personal  property,  or  an  ordinary  security  for 
money.” — Eadie  vs.  Slimmon,  26,  N.  Y. , 9. 

Held  also — “the  subsequent  legislation  of  the  State  of  New  York,  enlarging 
the  legal  status  of  married  women,  has  not  rendered  inoperative  the  Act  of  1840.  ” 
— Barry  vs.  Equitable,  N.  Y.  Court  of  Appeals,  1875. 


“ Husband,”  said  the  wife  of  a young  clergyman,  “read  me  one  of  your  sermons.  I feel 
dreadfully  wakeful  to-night,  and  I wish  to  sleep.” 


the  chronicle 


almanac. 


LEGAL  DECISIONS  AS  TO  LIFE  INSURANCE,  continued 

^fl^r?beS  “ Iimit  °f  “ to  be  exceeded. 

amount  ($300)  from^ii^neang  bo°Ul^  ^ greater 

and  when  greater  th-  nniin  , ■ > , , * h°  exPended  & r such  purpose, 

^ o/k  ome  ^tZ"1 

contract t^thelr  derikll  °°| ach  feTd^  “aterial  questioas  i»  just  as  fatal  to  the 

— ^^*£5  iz 

n ipPr  do r in  ’** 

5 Big.  36a.  See  Extension  of  Tune  below  Pr3“e  C°a“’  1WS- 

Directors  Responsibility — “ The  Director*  nf  o „ 
responsible  for  losses  result -n^  from  f-  .uj  rmhc  ? corPoration,  are  personally 

i^r^^-r3Ssr~ 

JVR  a th.  — 


THE  CHRONICLE  ALMANAC.  57 


LEGAL  DECISIONS  AS  TO  LIFE  INSURANCE,  continued, 
der  the  policy.— Smith  vs.  Continental,  District  Court  of  Phila.,  1872,  and 
iiumaker  vs.  Manhattan,  U.  S.  Circuit  Court,  Mo.— 4 Big.  421. 

Grandchildren — May  take  the  share  of  the  deceased  parent  in  a policy,  pay  a- 
> to  the  children  of  the  insured. — Palmer  vs.  Continental,  Supreme  Court 
nn — 5 Big.  37. 

'nsurable  Interest — The  beneficiary  under  a policy  must  have  a pecuniary 
erest  in  the  life  insured.  Wager  policies  are  void. — Kuse  vs.  Mutual  Life,  N. 
Court  of  Appeals,  23  N.  Y.  516. 

!l  person  has  an  insurable  interest  in  his  own  life. — Walton  vs.  National  Fund 
10  N.  Y.  32. 

L creditor  may  insure  the  life  of  a debtor. — Bawls  vs.  American  Life,  27  N. 
282. 

i.  father  may  insure  the  life  of  a minor  son.  Loomis  vs.  Eagle  Life,  6 Gray, 

L wife  may  insure  the  life  of  her  husband  by  statute  and  at  law. — St.  John 
American,  3 Kern.  31. 

nterest  on  Notes  upon  Paid-up  Policies — As  to  the  forfeiture  of  such  poli- 
3 for  bilure  to  pay  the  interest  on  notes,  the  decisions  are  contradictory, 
forfeiture  w as  decreed  i:  the  following  cases : 

mderson  vs.  St.  Louis  Life,  U.  S.  Circuit  Court,  Tenn.,  5 Big.  527;  Patch  vs. 

mix  Life,  Supreme  Court  Vt.,  1877. 

lut  the  policies  were  held  good  in  the  following  cases : 

Irigsley  vs.  St.  Louis  Life,  Court  of  Appeals,  Ky.,  4 Big.  633;  Ohde  vs. 
dhwestern,  Supreme  Court  of  Iowa,  5 Big.  145;  Hull  vs.  Northwestern, 
memo  Court  Wis.  5 Big.  559, 

n these  latter  cases,  however,  it  was  held  that  the  dividends  should  have 
n applied  to  pay  the  interest  due  on  notes. 

Cotice  of  Premium— Held  that  upon  a policy  upon  which  there  were  notes 
L interest  payments,  the  party  was  entitled  to  notice  of  the  amount  claimed 
De  due  to  the  company,  sine  such  amount  varied  from  year  tc  year. — Pierce 
Home  Life,  Supremo  Court  of  Ills. — 5 Big.  98. 

Iassachusetts  Law  of  Non-Forfeiture — A policy  issued  by  a Massachusetts 
ipany  before  the  date  of  the  law  1861,  is  not  governed  by  it. — Shaw  vs. 
kshire,  Supreme  Court  Mass. — 2 Big.  38. 

’ayment  of  Premium — If  made  in  the  manner  directed  by  the  company,  is 
d,  even  though  the  money  be  lost  in  transmission.  Where,  by  direction  of 
company’s  agent,  money  was  sent  by  express  and  embezzled  by  the  express- 
1,  held  to  be  a sufficient  payment  to  the  company. — Currier  vs.  Continental 
i,  Supremo  Court,  N.  H., — 5 Big.  257. 

lace  of  the  Contract — The  place  of  the  contract  is  usually  that  in  which 
policy  was  issued,  but  where  anything  remains  to  be  done  to  give  it  validity 
i for  example,  to  be  countersigned  by  the  agent — then  the  place  cf  that  act 
eemed  the  place  of  the  contract. — Pomeroy  vs.  Massachusetts  Life,  40  Ills.  398 

.8  man  who  charged  David  with  extravagance  for  singing  “ The  trees  of  tho  field  shall  clap 
• hands,"  forgot  that  there  is  such  things  a3  palm  trees. 


58  THE  CHRONICLE  ALMANAC. 

LEGAL  DECISIONS  AS  TO  LIFE  INSURANCE,  continued. 

Proof  of  Death — “Proof,  as  in  addition  to  notice,  must  mean  evidence  in 
some  form — such  form  as  i*  usual  and  customary  in  such  cases  or  as  is  recog- 
nized by  law,  and  is  calculated  to  persuade  or  convince  the  mind  of  the  truth 
of  the  alleged.” — O’Keilly  vs.  Guardian,  N.  Y.  Court  of  Appeals,  1875 — 5 Big.  596. 

Where  the  insured  had  disappeared  and  letters  of  administration  issued  by  a 
probate  court  were  offered  as  proof  of  death.  Held,  not  legal  evidence  of  the 
death. — Tisdale  vs.  Mutual  Benefit,  U.  S.  Supreme  Court — 5 Big.  596. 

Disappearance  for  seven  years  may  raise  a presumption  of  death,  but  not  that 
the  death  occurred  at  any  particular  time.  Upon  that  point  further  evidence  is 
necessary. — Hancock  vs.  American  Life,  Supreme  Court  Mo.  476—5  Big.  248. 

Sunday — Premium  falling  due  upon  Sunday  may  be  paid  upon  the  Monday 
next  ensuing.— Campbell  vs.  International,  4,  Bosw.  298. 

Suicide — Death  from  suicide,  the  result  of  insanity,  will  not  vitiate  the  policy 
unless  the  same  contains  the  words  “sane  or  insane,”  or  their  equivalent. 

If  the  death  is  caused  by  the  voluntary  act  of  the  insured,  he  knowing  and 
intending  that  his  death  shall  be  the  result  of  his  act,  but  when  his  reasoning 
faculties  are  so  far  impaired  that  he  is  not  able  to  understand  the  moral  char- 
acter, the  general  nature,  consequences  and  effect  of  the  act  he  is  about  to 
commit,  or  when  he  is  impelled  thereto  by  an  insane  impulse,  which  he  has 
not  the  power  to  resist,  the  insurers  are  liable.” — Terry  vs.  Mutual  life,  U S. 
Supreme  Court. 

A different  ruling  was  made  by  the  same  court  where  the  policy  contained 
the  words  “ sane  cr  insane.”  “Nothing  can  be  clearer  than  that  the  words 
were  introduced  for  the  purpose  of  excepting  from  the  operation  of  the  policy 
any  intended  self-destruction,  whether  the  insured  was  of  sound  mind  or  in  a 
state  of  insanity. — Bigelow  vs.  Berkshire,  U.  S.  Supreme  Court,  1867.” 

Surrender  Values — In  the  case  of  the  policies  forfeited  by  reason  of  the  war 
between  the  states,  it  has  been  held  that  “such  failure  (to  pay  premiums) 
being  caused  by  a public  war,  without  the  fault  of  the  assured,  they  are  en- 
titled ex  cequo  bono,  to  recover  the  equitable  value  of  the  policies,  with  interest 
from  the  close  of  the  war.” — Stratham  vs.  N.  Y.  Life,  U.  S.  Supreme  Court,  1876. 

Wife’s  Policies — (See  title  Assignments,  above.)  If  there  are  no  children,,  an 
assignment  may  be  made  by  the  wife  by  deed  duly  acknowledged  in  the  same 
manner  as  to  pass  her  dower  right — Laws  of  New  York,  1873.  She  may  sur- 
render her  policy  to  the  company — Laws  of  New  York,  1873. 

It  is  doubtful  whether  a wife’s  policy  may  be  r urrendered  to  the  company  for 
value,  and  at  the  same  time  a new  policy  issued  to  a creditor  upon  the  same 
life.  Where  a wife’s  policy,  payable  to  the  children,  the  wife  being  dead,  was 
surrendered  by  the  husband,  and  a new  policy  was  issued  in  favor  of  creditors : 
Held  that  “The  cash  value  of  the  children’s  interest  went  into  and  became  the 
consideration  upon  which  the  new  policy  was  issued.  We  think  a court  of 
equity  ought  to  treat  the  substituted  policy  as  in  fact  belonging  to  the  children.’ 

— Chapin  vs.  Fellows,  Supreme  Court,  Conn. — 2 Big.  1. 

The  fellow  ihat  we-'t  < ut  rabbit-hunting  without  success,  but  on  his  return  bought  a stale 
one  ; t the  lonrket.  was  told  by  his  wife,  when  she  got  a sniff  at  it,  that  he  had  done  well,  for  | 
it  was  high  time  that  that  rabbit  was  killed. 

THE  CHRONICLE  ALMANAC.  5g 

LEGAL  DECISIONS  AS  TO  FIRE  INSURANCE. 

The  following  extracts  from  the  decisions  of  the  courts,  are  believed  to 
cover  the  most  of  those  cases  which  are  likely  to  come  up  in  the  ordinary  expe- 
rience of  fire  underwriting. 

The  space  available  for  these  decisions,  however,  is  inconsistent  with  any 
other  than  the  briefest  possible  mention  of  each  case,  with  the  authority ; thus 
making  a kind  of  index  by  which,  further  and  more  complete  information  may 
be  obtained  upon  any  of  the  subjects  alluded  to. 

Absolute  Owneb. — If  insured  is  not  the  sole  and  unconditional  owner  of  the 
property,  or  if  said  property  be  buildings,  the  land  on  which  they  stand,  by  a 
sole  and  unconditional  ownership  and  title,  and  it  is  not  so  expressed  in  the 
written  portion  of  the  policy,  then  the  policy  shall  be  void. — Noyes  vs.  Hartford 

Fire  Ins.  Co.,  54  N.  Y.,  668. 

Application — The  application,  made  verbally  or  in  writing,  is  designed  to 
give  the  insurer  such  knowledge  and  information  of  the  property  that  he  can 
j udge  accurately  of  the  nature  and  value  of  the  risk  offered ; and  as  such  informa- 
tion, it  is  made  the  basis  of  the  contract.  Where  the  policy  made  the  application 
a part  of  the  contract,  held : the  statements  in  the  applications  were  warranties, 
and  anything  therein  not  literally  accurate  avoided  the  policy. — Jennings  vs- 
Chenango  Co.  Mut.  Ins.  Co.,  2 Denio,  75. 

The  application  must  represent  truly,  whatever  is  material  to  the  risk;  but 
if  it  was  written  by  the  agent  of  insurer,  and  he  was  aware  of  facts  material  to 
the  risk  and  did  not  set  them  forth  in  it,  his  knowledge  will  estop  insurer  from 
insisting  upon  the  concealment. — Marshall  vs.  Columbian  Mutual  Fire  Ins.  Co., 

27  N.  II.,  157. 

Assignment  of  Policy. — An  assignment,  by  terms  of  all  policies,  must,  to  be 
valid,  be  consented  to  bj'  the  insurer.  “ Policy  to  A.  ‘Loss,  if  any,  payable  to 

B.’  Held:  An  assignment  to  B.,  with  the  assent  of  the  company.” — National 

Ins.  Co.  vs.  Crane,  16  Md.,  260. 

Brokers’  Agreement.  —The  plaintiff  applied  to  a broker  for  insurance.  Was 
told  by  him  the  insurance  would  tako  effect  from  date  of  application;  that  the 
application  would  be  forward  "id  to  the  general  agent,  and  if  accepted,  a policy 
would  be  returned.  The  risk  was  not  accepted,  but  rejected — after  it  burned, 
but  before  the  general  agent  had  knowledge  of  the  fact.  Held : That  there  was 
no  valid  contract  of  insurance  between  the  applicant  and  the  company. — Fleming 
vs.  Hartford  Fire  Ins.  Co.,  Wis.  Sup.  Ct. 

Conditions  of  Policy. — The  plaintiff  was  an  illiterate  woman,  who  applied  to 
an  agent  of  the  company  to  insure  her  property.  She  stated  to  him  fully  and 
fairly  the  nature  of  her  title,  paid  him  the  insurance  money  and  in  due  course 
received  a policy.  When  the  policy  was  delivered,  it  was  not  read  to  her,  nor 

"When  I die,  let  me  be  buried  within  the  sound  of  the  hammer,  the  clang  of  the  workshop, 
the  hum  of  the  mill,”  says  the  candidate  in  his  speech.  And  then  he  goes  homo  and  sets 
himself  in  the  rocking  chair  while  his  wife  carries  the  coal  out  of  the  cellar  to  get  sapper  with. 

6o  THE  CHRONICLE  ALMANAC. 


LEGAL  DECISION’S  AS  TO  FIRE  INSURANCE,  continued, 
was  any  notice  given  to  her  of  its  provisions,  exceptions,  limitations  or  condi- 
tions. Held:  That  tho  contract  was  in  fact  made  and  consummated  by  her 
before  tho  delivery  of  tho  policy  and  in  total  ignorance  of  the  points  ini!;  that 
the  money  was  taken  and  the  policy  delivered  as  upon  a valid  contract,  which 
though  oral,  was  complete  and  not  changed  by  any  condition  in  the  policy  sub- 
sequently delivered.  Judgment  for  tho  plaintiff  affirmed.— Ellen  McClure  vs. 
The  Allemania  Ins.  Co.,  Sup.  Court  of  Pa. 

Concealment  of  the  interest  of  insured.— It  is  established  by  tho  law  cf 
every.  State,  and  tho  uniform  decision  cf  the  courts,  that  the  suppression  cr 
concealment  of  material  intelligence  respecting  property  offered  for  insurance 
whether  fraudulent  or  not,  vitiates  tho  policy.  “ N was  the  owner  of  ono  un- 
divided half  of  the  premises  insured.  Ho  effected  a policy  in  his  own  namo  for 
his  own  benefit.  He  did  not  disclose  his  interest.  Held:  The  contract  was  void.” 
Catron  vs.  Tenn.  Marine  & Fire  Ins.  Co.,  G Humph,  176. 

Of  attempts  to  destroy  property.— “ If  tho  insured  was  induced  to  procuro 
tho  insurance  because  of  a rumored  attempt  to  firo  tho  premises,  it  must  bo 
disclosed,  and  a failure  in  that  respect  renders  the  policy  void.”— Walden  vs. 
Louisiana  las.  Co.,  12  La.  (0.  S.)  13d. 

An  adjacent  boat  builder’s  shop  took  fire  and  was  put  out.  Insured  effected  a 
policy  on  the  premises  without  disclosing  the  fact.  " Within  a few  days  another 
fire  occurred  in  the  same  place  and  the  premises  just  insured  were  consumed. 
Held:  Insured  could  not  recover.  Bufo  vs.  Turner.  G Taunt,  333 ; 2 Marsh,  46. 

Excepted  Pises.— In  this  case  tho  policy  excepted  from  its  risks  on  the  pro- 
perty insured  for  transportation  any  loss  from  fire  caus:  d wholly  or  in  part  by 
petroleum  or  other  explosive  oils.  The  fire  was  caused  by  a collision,  whereby 
a petroleum  tank  car  was  emptied  on  tho  ground,  and  taking  fire,  destroyed  tho 
Property  insured.  The  court  held  that  the  less  was  within  the  exceptions,  and 
that  it  makes  no  difference  how  the  petroleum  was  ignited.  The  policies 
insured  only  against  fire,  and  tho  excepting  clauses  released  tho  company  from 
obligations  in  such  possible  fire  as  occurred.— Imperial  Fire  Ins.  Co  vs  Far^o 
IT.  S.  Supreme  Ct.  S ’ 

Insuraele  Interest.— This  was  an  action  on  a policy  of  insurance,  to  which 
the  defense  was  that  it  was  discharged  because  the  insured  was  not  tho  solo 
owner  of  the  property  insured.  Tho  judgment  was  for  the  insured,  and  tho 
point  made  here  is  that  the  policy  provided  that  it  should  bo  void  unless  the 
insured  were  tho  unconditional  owners  of  the  property,  and  that  it  appeared 
on  the  trial  that  they  had  leased  it  for  ten  years,  and  were  entitled  only  to  a 
reversionary  interest;  and  it  is  said  that  if  the  insured  are  required,  as  they 
were  in  this  ca>c,  to  make  an  express  statement  of  their  interest,  and  they  do 
not,  tho  insurer  is  not  bound.— Lycoming  Fire  Ins.  Co.  vs.  Haven  dal.,  U.  S. 
Supremo  Court. 

Keeping  and  Storing  Prohibited  Articles. —The  insurers  have  the  right  to 
suppose  that  nothing  but  the  articles  specially  named  in  tho  application  will  bo 
kept  or  stored  upon  tho  promises.  If,  therefore,  prohibited  articles  are  keot  in 

First  friend  (paor)—“  Will  you  do  me  a great  favor  ? Second  ditto  (rich)—"  With  nleasmv* 
b it  first  you  have  it  in  your  power  to  render  me  a great  service.  Will  you’”  F F — « 
pleasure.  What  can  I do  for  you  ?"  S.  F. — “ Don't  ask  me  for  any  money.’' 


c 


the  chronicle  almanac. 


legal  DECISIONS  AS  TO  FIRE  INSURANCE,  continued. 

' th° &ct  ia  fa,aI  to 

Othee  Instance.  The  privilege  of  “otter  insuranoo  without  notice  till  rc 
ured  admits  of  any  amount  of  additional  insurance,  prior  or  subsequent 
, hout  quesjou.  Additional  reinsuraneo  does  not  void  a policy  in  which  such 
•tice  and  consent  aro  not  mads  conditions  precedent  “ Iff  hn„„,L  c- 
the  time  the  policy  was  made,  knew  or  other  insurance,  theCnduLTp'o 
r C 443  lnSUr“C0  Was  ™™d.--Geibvs.  International  Ins.  Co.,  1 Dil 

wrU.ng.  The  Supremo  Court  of  the  Uaited  States  bolls,  with  (ho  Courts  of 

palo  "fctT  ?‘aTaIjd  C<“  °f  insurance  can  bo  made 

lid  oi  l C l t °38a^  “ makm3 a Paro1  contract  for  insurance  i3 

lid,  and  a failure  to  issue  a policy  af:er  payment  nf  nmm'  • , ’ 

the  action. — Ide  vs.  Phenix  Ins.  Co.  2 Bta?m  “ U°  defenc0 

Pa™  o*  Pbekicm.-A  neglect  to  pay  the  premium  voids  the  policy  where 
frtd  expressly  given  to  the  insured.  And  a delivery  cf  a policy  to  the 
Aired,  m wmch  tne  premium  is  acknowledged  to  have  b-en  \ i 

,t  prevent  the  insurer  from  showing  that  sj  premium  w^t  p^LtTo 

TCITIVZ  111  “ade  °f  thiS  COnditi0a-Mulrey  vs.  Shawmut 

iD™.  ?OTt4“-Generaily  it  is  the  duty  cf  insured  to  disclose  all  ex 
lures  which  may  affect  the  risk.  When  a statement  of  all  the  buik  „ 
mm  a specified  distance  of  the  risk  is  required  of  the  insured,  and  ho  omifs 
^iyo  someone  ormoro  of  them  in  his  s^tpmpnf  „ / Le  omits 

>ugh  the  hazard  of  the  risk  were  not  increased  by  the  location  o^heVlT 

, so  omitt:d  to  bo  described.  Wilson  vs.  Herkfmer  Co.  2t  tts  Co  C N 

o3;  Burntt  vs.  Saratoga  Co.  Mut.  Ins.  Co  , 5 Hill,  188.  ’ 

Ascription.— When  the  survey  is  made  part  of  the  conWt  thn 
st  correspond  with  the  description  in  all  points  material' (o’ the  risk-Le" 
t vs.  Market  Hire  Ins.  Co.,  39  N.  Y.  90.  h 

!TcE  IfOTB“0E-Ia  case  °f  double  insurance,  without  the  contribution 
ISO,  the  insured  may  recover  from  either  insurer,  or  he  may  hold  each  hlbie 
a proportionate  share  of  the  loss. -Wiggins  vs.  Suffolk  Ins  Co.,  18  Pick  145 
Aumuo  of  Buildings,  (a)  on  Sfocfc-After  the  building  fell,  and  before  the 
Is  could  be  tauen  away,  a fire  occurred,  in  consequence  of  which  t',„  i 
e greatly  damaged  by  fire  and  water.  IMd:  a loss  within  the  J^3 

|mlt*lcWTh\bUU  vDSffell;  ft  flr<!  CTSUed'  “ad  ths  materials  were 
’ “ dfi  BM  Sabi°  mSUr0d  had  bcco:no  a mcr3  eongerics  of  ma*erials 
, re  the  fire  occurred,  caused  by  a peril  not  insured  against,  bence  the  fire  was 
the  immediate  cause  of  the  loss.-Nave  vs.  Homo  Mut.  Ins.  Co.,  37Mo  4T0 
icrease  ob  Change  of  Bisk.— Tho  poliev  nrnbi'hiHT.r,  „ 

‘ay  parpoS3  °ther  thaa  described,  except  on  payment  of  a higher  rite"  the8 

to  should  be  careful  lest  they  cau.o  women  to'weep.  for  God 


62  THE  CHRONICLE  ALMANAC. 


LEGAL  DECISIONS  AS  TO  FIRE  INSURANCE,  continued, 
insured  cannot  recover  if  premises  are  occupied  so  as  to  increase  the  hazard. — 
Appleby  vs.  Astor  Fire  Ins.  Co.,  54  N.  Y.  253.  Additions  to  buildings,  increas- 
ing the  risk,  void  the  policy. — Francis  vs.  Somerville  Mut.  Ins.  Co.,  25  N.  J.  78. 
Converting  dwellings  into  stores  increases  the  hazard,  and  insured  cannot  re- 
cover.— Merriam  vs.  Middlesex  Mut.  Fire  Ins.  Co.,  21  Pick.  162. 

Notice  op  Loss. — Notice  to  the  agent  is  notice  to  the  company. — Kendall  vs. 
Holland  Purchase  Ins.  Co.,  2 N.  Y.  S.  C.  375;  also,  Newman  vs.  Springfield  F. 
and  M.  Ins.  Co.,  17  Minn.  123.  A sufficient  notice  is  such  as  to  describe  the 
loss,  and  locate  it  with  sufficient  exactness  to  enable  insurer  to  understand 
what  property  is  burned.  -Works  vs.  Farmers’ Ins.  Co.,  57  Me.  281;  Rix  vs. 
Mutual  Ins.  Co.,  20  N.  H.  191.  Notice  by  assignee  was  sufficient. — Cornell  vs. 
Le  Hoy,  9 Wend.  163.  A “notice  to  be  givtn  forthwith  after  the  loss,”  is  sat- 
isfied if  given  the  day  after.  Ilovey  vs.  Am.  Mut.  Ins.  Co.,  5 Biss.  476.  Also, 
“forthwith”  means  with  duo  diligence  under  all  the  circumstances  of  tho  case 
— within  a reasonable  time. — Phillips  vs.  Protection  Ins.  Co.,  14  Mo.  220;  Peoria 
M.  and  F.  Ins.  Co.  vs.  Lewis,  18  111.  553. 

Principal  and  Agent. — No  company  is  responsible  for  the  act  of  an  agent 
outside  of  his  authority.  A company  cannot,  however,  be  relieved  from  legit- 
imate responsibility  by  private  instructions  to  agents,  narrowing  or  limiting  their 
powers,  the  insured  being  ignorant  of  such  instructions  at  the  time  of  making 
the  contract. — Com.  Mut.  Marine  Ins.  Co.  vs.  Union  Mut.  Ins.  Co.  ,19  Hon.  318, 
2 Curtis 524;  Ide  vs.  Phoenix  Ins.  Co.,  2 Biss.  333;  Bankie  vs.  .Etna  Ins.  Co., 
2 Dil.  Cir.  Ct.  156;  Taylor  vs.  Germania  Ins.  Co.,  id.  288.  No  person  can 
1.  gaily  act  as  an  agent  in  a transaction  in  which  he  has  an  adverse  interest  or 
employment;  so  an  agent  cannot  receive  an  application  for  himself  and  insure 
his  own  property  under  it,  so  as  to  bind  the  company,  without  consent. — N.  Y 
Cen.  Ins.  Co.  vs.  National  Proteciioa  Ins.  Co.,  14  N.  Y.  85,  S.  C.  20  Barb.  468. 
When  an  agent  surveys  premises  and  inserts  statements  of  fact  as  given  by 
applicant,  such  statements  bind  the  insured,  but  not  the  compauy.  But  when 
an  agent  makes  a survey  in  the  absence  of  the  insured,  or  omits  to  insert  facts 
s'ated  by  the  applicant,  the  insured  must  not  suffer  for  any  neglect  or  omission 
of  the  agent. — Masters  vs.  Madison  Co.  Mut.  Ins.  Co.,  11  Barb.  624. 

Negligence. —When  the  proximate  cause  of  the  loss  is  a peril  insured  against 
the  insurer  is  liable,  although  the  remote  cause  was  the  negligence  of  the  insured 
or  his  employes. — Patapsco  Ins.  Co.  vs.  Coulter,  3 Pet.  222.  Unless  such  neg- 
ligenee  is  the  result  of  fraudulent  purpose  or  design. — Gove  vs.  Farmers’  Mut. 
Ins.  Co.,  48  N.  H.  41. 

Removal  of  Goods. — 1.  When  a building  in  which  insured  goods  are  stored 
is  threatened  by  fire,  and  the  d nger  is  such  that  a prudent  man  would  not 
allow  them  to  remain  in  the  house,  and  if  as  much  care  is  used  in  their  re- 
moval as  a prudent  man  would  use  in  removing  his  own  goods,  not  insured , 
insurers  are  liable  for  the  damage. — Iloltzman  vs.  Franklin  Fire  Ins.  Co., 
4 Cranch,  C.  C.  295;  Case  vs.  Hartford  Fire  Ins.  Co.,  13  111.  676. 

Avoid  arguments  with  ladies.  In  spinning  yarns  among  silks  and  satins,  a man  is  sure  to 
bo  worsted  and  twisted.  And  when  a man  is  worsted  ami  twisted,  he  may  consider  himself 
wound  up. 


THE  CHRONICLE  ALMANAC.  63 


THE  ACTUARIES’  TABLE  OF  MORTALITY, 


Showing  in  round  figures  the  number  that  die  at  each  age  out  of  1,000  living  at  that  age. 


Age.... 

Number  Living  at 

Each  Age 

Number  Dying  at 

Each  Age 

Deaths  per  1,000  at 

Each  Age 

Age 

Number  Living  at 
Each  Age 

Number  Dying  at 
Each  Age 

Deaths  per  1,000  at 
Each  Age 

10  .... 

....  100,000  .... 

....  676  .... 

....  7 

55  .... 

....  63.469  .... 

....  1,375  .... 

22 

11  .... 

....  99,324  .... 

....  674  .... 

....  7 

56  .... 

....  62.094  .... 

....  1.436  .... 

23 

12  .... 

....  98,650  .... 

....  672  .... 

....  7 

57  .... 

....  60  653  .... 

....  l,49f  .... 

25 

13  .... 

....  97,978  .... 

....  671  .... 

....  7 

58  .... 

....  59.161  .... 

....  1,561  .... 

26 

14  .... 

....  97,307  .... 

....  671  ... . 

....  7 

59  .... 

....  57,600  .... 

....  1,627  .... 

28 

96  636  ... 

671  

7 

60  .... 

30 

16  .... 

....  95,965  ... 

....  672  .... 

....  7 

61  .... 

....  54,275  .... 

..  . 1,770  .... 

33 

17  .... 

....  95,293  .... 

....  673  .... 

....  7 

62  .... 

....  52.505  .... 

....  1,844  .... 

35 

18  .... 

....  94  620  .... 

....  675  .... 

....  7 

63  .... 

....  50.661  .... 

....  1,917  .... 

38 

19  .... 

....  93,945  .... 

....  677  .... 

....  7 

64  .... 

....  48,744  .... 

....  1,990  .... 

41 

20  ... 

. . 93,268  

....  680  .... 

....  7 

65  .... 

....  46,754  .... 

2,061  .... 

44 

21  .... 

....  92.588  .... 

....  683  .... 

....  7 

66  .... 

....  44  693  .... 

....  2.128  .... 

....  48 

22 

91  905  

686  

....  7 

67  .... 

42,565  

2 191 

51 

23  .... 

....  91,219  .... 

....  690  .... 

....  8 

68  .... 

....  40.374  ... 

....  2,246  .... 

....  56 

24  ... 

. . . 90,529  

....  694  .... 

....  8 

69  .... 

....  38,128  ... 

2,291 

60 

25  .... 

....  89,835  .... 

....  698  .... 

....  8 

70  .... 

....  35.837  .... 

....  2.327  .... 

26  .... 

...  89,137  .... 

....  703  .... 

....  8 

71  .... 

....  33,510  .... 

....  2.351  .... 

....  70 

27  .... 

....  83,434  .... 

....  708  .... 

....  8 

72  .... 

....  31,159  .... 

. . . . 2.362  . . . . 

....  76 

28  .... 

....  87,726  .... 

....  714  .... 

....  8 

73  .... 

....  28,797  .... 

....  2.358  .... 

....  82 

29 

87,012 

....  720  

....  8 

74  .... 

26,439  

2,339  

88 

30  .... 

....  86.292  .... 

....  727  

....  8 

75  .... 

....  24,100  .... 

....  2.303  .... 

....  96 

31  .... 

....  85.565  .... 

....  734  

....  9 

76  .... 

....  21.797  .... 

. . . . 2,249  . . . . 

....  103 

32  .... 

....  84.831  .... 

....  742  

....  9 

77  ... 

....  19.548  .... 

....  2,179  .... 

....  Ill 

33  ... 

....  84.089  .... 

....  750  

....  9 

78  ... 

....  17,369  .... 

. . . . 2,092 

....  120 

34  ... 

....  83,339  .... 

..  . 758  .... 

....  9 

79  .... 

....  15,277  .... 

....  1,987  .... 

....  130 

35  .... 

....  82,581  .... 

....  767  

....  9 

80  .... 

....  13.290  .... 

....  1,866  .... 

36  .... 

....  81,814  .... 

....  776  

....  9 

81  .... 

....  11,424  .... 

....  1,730  .... 

....  151 

37 

81.038  .... 

....  785  

....  10 

82  .... 

....  9.694  .... 

. ...  1,582  .... 

163 

38  .... 

. . . . 80.253  

. . . . 795  

...  10 

83  .... 

....  8.112  .... 

M27  .... 

176 

39  .... 

....  79,458  .... 

. . . . 805  

....  10 

84  .... 

....  6,685  .... 

. ...  1,268  .... 

....  190 

40  

....  78,653  .... 

. . . . 815  

....  10 

85  .... 

....  5,417  .... 

....  1,111  .... 

....  205 

41  

....  77,838  .... 

....  826  

...  11 

86  .... 

....  4.306  .... 

. . . . 958  ... . 

222 

42  

....  77,012  .... 

....  839  

....  11 

87  ... 

....  3,348  .... 

....  811.... 

....  242 

43  

....  76,173  ... 

....  857  

....  11 

88  .... 

....  2.537  ... 

....  673.... 

44  

....  75,316  .... 

....  881  

....  12 

89  .... 

. . . . 1,864  .... 

. . . . 544  ... . 

....  292 

45  . . . . 

....  74,435  .... 

. . . . 909  

....  12 

90  .... 

....  1,319  . .. 

. . . . 427  ... . 

....  324 

46  

....  73,526  .... 

....  944  

....  13 

91  .... 

892  

. . . . 322  ... . 

....  361 

47  

....  72,582  .... 

....  981  

...  14 

92  .... 

570  .... 

....  231... 

....  405 

48  

....  71,601  .... 

. . 1,021  

....  14 

93  .... 

339  

....  155.... 

....  457 

49  

....  70,580  .... 

....  1,063  

94  

184  

95  ... . 

....  516 

50  

....  69,517  .... 

....  1,108  .... 

...  16 

95  

8 

52  ... . 

....  584 

51  ... 

....  68,409  .... 

....  1,156 

...  17 

96  

3 .... 

....  24.... 

...  649 

52  

....  67,253  .... 

....  1,207  

...18 

97  

13 

9.... 

....  692 

53  

....  66,046  .... 

....  1,261  .... 

...  19 

93  .... 

4 

3.... 

...  750 

54  

. ..  64,785  .... 

....  1,316  

...20 

99  

1 

1 

moo 

One  of  the  firemen  at  a recent  fire,  when  he  found  the  hos^  not  long  enough  to  reach  from 
the  hydrant  to  the  burning  building,  called  in  his  excitement  for  the  men  to  “ bring  up  the 
hydrant.” 


64  THE  CHRONICLE  ALMANAC. 


COMMISSIONERS  OF  INSURANCE  DEPARTMENTS. 


State.  Name.  Title.  "office11  Cause  of  Change. 


California Geo.  W.  Mowe  . . .Insurance  Commissioner 1868-72.  .Political  changes. 

*J.  W.  Foard Insurance  Commissioner 1872-77 

Connecticut Benjamin  Noyes Insurance  Commissioner 1885-70.  .Political  chan"'*-*. 

George  s.  Miller.  . . .Insurance  Commissioner 1871-74. . Political  changes. 

♦John  W.  Stodman  .Insurance  Commissioner 1875-77 

Kansas W.  C.  Webb  Superintendent  of  Insurance  1871-73.  .Political  changes. 

Edward  Russell  . . Superintendent  of  Insurance . . 1874  . . Political  changes. 
*Orriu  T.  Welch Superintendent  of  Insurance. . 1875-77 

Kentucky Gustavus  W.  Smith.  .Insurance  Commissioner ..  . . .1871-75. . Political  changes. 

*B.  Leslie Insurance  Commissioner 1876-77 

Maine.'. A.  W.  Paine Insurance  Commissioner 1860-73.  Term  expired. 

♦Joshua  Nye  . Insurance  Commissioner 1874-77 

Maryland Chas.  A Wailes Insurance  Commissioner ..  ..  1871-75.  .Died  in  office. 

♦Jesse  K.  Hines  . ...Insurance  Commissioner. 1876-77 

Massachusetts.  .Elizur  Wright Insurance  Commissioner 1850-66.  .Political  changes. 

John  E Sanford.  . . . Insurance  Commissioner 1867-69 . . Resigned. 

Julius  Clarke. Insurance  Commissioner 1870-74 . . Term  expired. 

♦Stephen  II.  Rhodes  Insurance  Commissioner 1875-77 

Michigan * Samuel  H.  Row Insurance  Commissioner 1871-77 

Minnesota Pennock  Pusev insurance  Commissioner 1872-74.  .Term  expired. 

♦A.  R.  McGill  ...  Insurance  Commissioner 1875-77 

Missouri Wyllis  King Superintendent  of  Insurance.  .1869-72.  .Died  in  office. 

Charles  E King Depury-Super’t  of  Insurance. . 1872  . . Political  changes. 

William  Seloy Superintendent  of  Insurance. . 1873  . . Political  changes. 

Frank  P.  Blair Superintendent  of  Insurance..  1874-75  .Died  in  office. 

Celsus Price Superintendent  of  Insurance. . 1876  . .Political  changes. 

*W.  S.  Relfe Superintendent  of  Insurance.  1877 

New  York William  Barnes Super’t  Insur’ce  Department.  .1S59-89  -j  ^ nt'^Knver 

( Resigned,  pend- 

George  W.  Miller ....  Super’t  Insur’ce  Department. . 1870-71  -<  ing  vote  of  re- 

( moval  in  senate. 

Orlow  W.  Chapman.. Super’t  Insur’ce  Department..  1872-75.  .Resigned. 

William  Smyth  Deputy-Super' t of  Insurance. . 1876  . .Political  changes. 

♦John  F.  Smyth Super’t  Insur’ce  Department. . 1877 

Ohio W.  F.  Church Superintendent  of  Insurance. . 1872-74.  .Political  changes. 

♦W.  D.  Hill Superintendent  of  Insurance. . 1875-77 

Pennsylvania. . . *J.  M.  Forster Insurance  Commissioner 1873-77 

Rhode  Island. . . *Joel  M.  Spencer Insurance  Commissioner 1869-77 

Tennessee  ♦William  Morrow  . . . Insurance  Commissioner 1877 

Vermont ♦George  Nichols Insurance  Commissioner 1S77 


♦Still  in  office,  December,  1877. 

In  the  other  states  the  Supervision  of  Insurance  forms  part  of  the  duties  of  some  state 
officer,  such  as  the  Governor,  Secretary  of  State,  Auditor,  Comptroller,  or  Examiner  of  Cor- 
porations. 

It  will  he  noted  that  the  office  is  usually  a political  one,  subject  to  change  as  soon  as  the 
officer  becomes  familiar  with  his  duties. 


A lit  of  raw  meat,  or  a fibre  of  a plant,  after  it  has  been  steamed  for  some  days  in  water,  and 
kept  in  a room  not  too  low  in  temperature,  will  bo  lound  swarming  with  microscopic  life. 


THE  CHRONICLE  ALMANAC.  65 


APPLICANTS  FOR  THE  OFFICE  OF  INSURANCE  COMMISSIONER  OF  OHIO. 
“ Persons  without  insurance  experience  preferred.” — Vide,  Gov.  Allen. 


One  of  the  many  phases  of  the  imbecility  peculiar  to  that  useless  appendage  of 
State  Government,  known  as  State  Supervision  of  Insurance,  is  above  illustrated. 
A rational  man  who  wants  a coat  will  not  go  to  a blacksmith  to  make  it,  nor  will 
the  owner  of  a woolen  mill  employ  a shoemaker  to  superintend  the  manufacture 
of  cloth,  the  banker  who  doubted  the  accuracy  of  his  balance-sheet  would  not 
dream  of  submitting  it  for  ratification  to  a man  who  never  saw  an  account-book 
in  his  life.  But  in  the  wisdom  of  the  men  who  appoint  State  Superintendents  of 
Insurance,  the  man  who  is  deemed  most  competent  for  that  position  is  the  man 
who  is  most  ignorant  of  the  business  he  is  called  upon  to  supervise  ! 


66  THE  CHRONICLE  ALMANAC. 


COST  OF  STATE  SUPERVISION, 

For  many  years  policy-holders  in  Life  and  Fire  Insurance  Companies  cherished 
the  belief  that  they  were  perfectly  secured  from  loss  by  the  watchful  care  and 
supervision  of  the  several  Insurance  Departments.  But  now  that  these  appar- 
ent safeguards  have  lamentably  failed,  and  it  has  become  manifest  that  the 
very  rottenness  of  many  Companies  has  been  concealed  and  varnished  by 
means  of  this  delusive  system,  it  is  time  to  count  the  cost. 

Insurance  Departments  are  now  organized  in  fifteen  States,  while  in  the  other 
States  similar  methods  obtain  although  carried  on  by  some  other  State  official. 
In  whatever  way  it  is  done,  supervision  requires  its  retinue  of  salaried  clerks, 
and  all  the  costly  appliances  of  official  routine,  which  are  employed  in 
examining  and  reporting  for  each  separate  State,  the  same  items  of  the  same 
Companies,  in  the  same  form  and  with  the  same  barren  results.  Over  and  over 
again  the  same  work  is  done,  and  with  each  turn  the  dollars  are  extracted  from 
the  coffers  of  the  Companies,  or  to  speak  more  by  the  card,  from  the  pockets  of 
the  policy-holders.  The  amounts  paid  to  the  Insurance  Department  of  New 
York  from  1860  to  date,  reach  a round  million  of  dollars,  and  the  chief  results 
we  see  are  the  wrecks  of  Companies,  whose  fair  proportions,  as  shown  by  recent 
Insurance  Reports,  have  dwindled  to  such  lean  dimensions  as  to  disgust  even 
the  Receivers.  Last  year  the  Insurance  Commissioner  in  California  collected 
$8,454  in  fees;  in  Connecticut,  $9,725;  in  Iowa,  $17,619;  in  Kansas,  $13,910;  in 
Kentucky,  $11,484;  in  Maine,  $3,824;  in  Massachusetts,  $40,185;  in  Missouri, 
$35,152;  in  New  Hampshire,  $1,586;  in  New  York,  $79,232;  in  Ohio,  $24,480;  in 
Pennsylvania,  $14,223,  and  in  Rhode  Island,  $1,731,  making  a total  of  $258,585 
in  thirteen  States.  Similar  amounts  are  paid  in  other  States,  which  go  into  the 
general  revenue. 

Besides  these  items  of  expense,  the  policy-holders  indirectly  pay  taxes  to  the 
various  states,  counties,  cities,  etc.,  ranging  from  one  per  cent  to  three  per 
cent  of  the  premium  income.  In  1876  the  taxes  paid  by  the  Insurance  Com- 
panies reporting  to  the  New  York  Insurance  Department  amounted  to  $2,408,325, 
of  which  $1,306,364  was  paid  by  Fire  and  Marine  Companies,  and  $1,101,961  by 
Life  Companies.  There  are  other  Companies  not  reporting  to  the  New  York 
Department  which  pay  taxes  in  their  own  localities,  thus  swelling  the  aggregate 
to  some  four  million  dollars  per  annum.  It  would  seem  that  an  interest  intended 
to  protect  the  people  from  loss  and  to  help  them  bear  each  others  burdens, 
might  be  relieved  from  this  oppressive  taxation  and  this  manifold  superser- 
viceable  and  delusive  incubation  of  State  officials  upon  figures,  which  fails  to 
produce  facts  to  be  relied  upon  for  the  guidance  of  the  people. 

Do  not  waste  time  in  useless  regrets  over  losses. 


THE  CHRONICLE  ALMANAC. 


67 


SHORT  RATE  TABLE, 

SHOWING  PERCENTAGE  OP 

Premium  to  be  Returned  to  the  Assured. 


Unexpired  Term  of  Policy  in  Months. 


Example. — Suppose  a “three-year”  policy,  premium  $60,  having  six  months  to  run,  is  to  be 
cancelled;  we  find  in  table  that  10  per  ct.  of  premium  is  to  be  returned— 10  per  ct.  of  $00=$6. 
Entered  according  to  Act  of  Congress,  in  the  year  1877,  by  F.  C.  Moore,  in  the  office  of  the 
Librarian  of  Congress  at  Washington.  Published  by  kind  permission  of  the  compiler,  Mr. 
F.  C.  Moore. 

On  5 Year 
Policy 
Return. 

1 per  ct. 

2 per  ct. 

3 per  ct. 

4 per  ct. 

5 per  ct. 

6 per  ct. 

7 per  ct. 

8 per  ct. 

9 per  ct. 

10  per  ct. 

11  per  ct. 

12  per  ct. 

13  per  ct. 

14  per  ct. 

15  per  ct. 

16  per  ct. 

17  per  ct. 

18  per  ct. 

19  per  ct. 

20  per  ct. 

21  per  ct. 

22  per  ct. 

23  per  ct. 

24  per  ct. 

25  per  ct. 

26  per  ct. 

27  per  ct. 

28  per  ct. 

29  per  ct. 

30  per  ct. 
32  per  ct. 
34  per  ct. 
36  per  ct. 
38  per  ct. 
40  per  ct. 
42  per  ct. 
44  per  ct. 
46  per  ct. 
48  per  ct. 
50  per  ct. 
52  per  ct. 
54  per  ct. 
56  per  ct. 
58  per  ct. 
60  per  ct. 
62  per  ct. 
64  per  ct. 
66  per  ct. 
68  per  ct. 
70  per  ct. 
72  per  ct. 
74  per  ct. 
76  per  ct. 
78  per  ct. 
80  per  ct. 
82  per  ct. 
85  per  ct. 
89  per  ct. 
94  per  ct. 


2 months  to  run. . 

3 months  to  run  , 

4 months  to  run. . 

5 months  to  run. . 

6 months  to  run. . 

7 months  to  run. . 

8 months  to  run. . 

9 months  to  run. . 

10  months  to  run. . 

11  months  to  run. . 

12  months  to  run. . 

13  months  to  run. . 

14  months  to  run. . 

15  months  to  run.  . 

16  months  to  run. 

17  months  to  run. . 

18  months  to  run.  . 

19  months  to  run.  . 

20  months  to  run.  . 

21  months  to  run. . 

22  months  to  run.  . 

23  mothhs  to  run.  . 

24  months  to  run. . 

25  months  to  run . . 

26  months  to  run. . 

27  months  to  run. . 

28  months  to  run . . 

29  months  to  run. . 

30  months  to  run . . 

31  months  to  run. . 

32  months  to  run . . 

33  months  to  run. . 

34  months  to  run.  . 

35  months  to  run  . 

36  months  to  run . . 

37  months  to  run . . 

38  months  to  run.  . 

39  months  to  run.  . 

40  months  to  run . . 

41  months  to  run. . 

42  months  to  run. . 

43  montas  to  run.  . 

44  months  to  run.  . 

45  months  to  run.  . 

46  months  to  run. 

47  months  to  run . . 

48  months  to  run. . 

49  months  to  run. . 

50  months  to  run . . 

51  months  to  run . . 

52  months  to  run . . 

53  months  to  run . . 

54  months  to  run . . 

55  months  to  run. . 

56  months  to  run . . 

57  months  to  run . . 

58  months  to  run . . 

59  months  to  run . . 


On  1 Year 
Policy 
Return. 

On  2 Year 
Policy 
Return. 

On  3 Year 
Policy 
Return. 

5 per  ct. 

2)4  per  ct. 

2 per  ct. 

. 10  per  ct. 

5 per  ct. 

3 )4  per  ct. 

, 15perct. 

7#  per  ct. 

5 per  ct. 

. 20  per  ct. 

10  per  ct. 

7 per  ct. 

, 25  per  ct. 

12)4  per  ct. 

8)4  per  ct. 

, 30  per  ct. 

15  per  ct. 

10  per  ct. 

40  per  ct. 

17)4  Per  ct. 

12  per  ct. 

50  per  ct. 

20  per  ct. 

13)4  per  ct. 

60  per  ct. 

22#  per  ct. 

15  per  ct. 

70  per  ct. 

25  per  ct. 

17  per  ct. 

80  per  ct. 

27#  per  ct. 

18#  per  ct. 

30  per  ct. 

20  per  ct. 

35  per  ct. 

22  per  ct. 

40  per  ct. 

23#  per  ct. 

45  per  ct. 

25  per  ct. 

50  per  ct. 

26#  per  ct. 

55  per  ct. 

28  per  ct. 

60  per  ct. 

30  per  ct. 

65  per  ct. 

33  per  ct. 

70  per  ct. 

36#  per  ct. 

75  per  ct. 

40  per  ct. 

80  per  ct. 

43  per  ct. 

87  per  ct. 

46#  per  ct. 

50  per  ct. 

53  per  ct. 

56#  per  ct. 

60  per  ct. 

63  per  ct. 

66#  per  ct. 

70  per  ct. 

73  per  ct. 

• ••• 

76#  per  ct. 

80  per  ct. 

83  per  ct. 

90  per  ct. 

:::: 

« .... 

Those  who  come  to  you  to  talk  about  others  are  the  ones  who  go  to  others  to  talk  about  you. 


68  THE  CHRONICLE  ALMANAC. 


LIFE  INSURANCE  COMPANIES 

NOW  EXISTING. 

ORCANIZED  BEFORE  STATE  SUPERVISION. 


Year  of 
Org’z’n. 


Name. 


Number  of 
State.  Policies 
in  Force. 


Amount 

Insured. 


Gross  Gross 

Assets.  Liabilities. 


1812.. 

, . .Pennsylvania 

. Penn 

132 

$437,633 

$10,731,512 

$209,559 

1836 . . 

. . Girard. 

. Penn 

822 

2,165,253 

2,522,987 

1,272,041 

1843.. 

...Mutual  Life 

.New  York. . 

92,125 

301,278,037 

82,076,707 

71,813.827 

44  . , 

. . . New  England  Mutual. . . 

. Mass 

20,212 

58,940.326 

14,489.647 

11.864.599 

1845.. 

...New  York 

.New  York.. 

45,421 

127,748,473 

33,163,715 

26,982,743 

“ 

...Mutual  Benefit 

.New  Jersey. 

43,308 

131.846,985 

33,336,417 

27,877,833 

44  . , 

...State  Mutual 

. Mass 

4,826 

10,309,271 

2,081,394 

1,722.398 

1846.. 

. . Connecticut  Mutual . . . 

.Conn 

66.618 

183,414,408 

46,163,497 

39,104,875 

1847.. 

. .Penn  Mutual 

. Penn 

10,643 

31,053,301 

5,896,602 

4,767.674 

1849.. 

...Union  Mutual 

Maine 

20,444 

40,979,204 

8,099,634 

7,407,689 

1850.. 

. . Manhattan 

.New  York.. 

12,608 

38,942,758 

10,045.613 

8,122.018 

44 

..United  States 

.New  York. . 

10,303 

20,835,662 

4.803.332 

3,962.974 

44 

..National 

.Vermont ... 

4,484 

9,440,381 

2,074,807 

1,296,535 

44 

. ,H2tna 

. Conn 

56.987 

87,385,555 

23,194.555 

19,275.262 

“ .. 

..Charter  Oak 

. Conn 

25,138 

52,494,057 

13,234,438 

12,488,317 

. . American 

. Penn 

11,971 

24,079,498 

5,159.624 

4,699,189 

1851.. 

. . Massachusetts  Mutual. . 

.Mass 

14.458 

33,803,463 

6,408,783 

5.327,417 

44  _ 

. .Berkshire 

.Mass 

5.531 

12,331,015 

3,235,521 

2,758.595 

“ 

..Phoenix  . 

. Conn 

27.775 

52,343,982 

10,768,417 

9,886.353 

18531! 

. . Knickerbocker 

.New  York.. 

9,569 

21,085,703 

6,910,972 

6,487,651 

. .Covenant  Mutual 

. Missouri. . . . 

1,654 

2,865,779 

681,855 

655,586 

18571! 

. .German  Mutual  

.Missouri 

665 

1,025,547 

345.081 

304,003 

1858.. 

.. Northwestern  Mutual. . 

.Wisconsin. . 

36,456 

67,493,191 

17,995,863 

14,302,501 

Number  of  Companies— 23. 

Totals..  522, 150 

$1,312,299,452 

$343,120,973 

$282,689,639 

ORCANIZED 

UNDER 

STATE  SUPERVISION 

1859.. 

. . Equitable 

.New  York.. 

48,736 

$173,050,690 

$30,872,374 

$26  231,141 

I860.. 

. . Germania 

.New  York. . 

20,296 

34,056,313 

7,910,109 

6,844,643 

“ 

. .Home 

.New  York. . 

9,946 

19,902,744 

4,730,123 

3,842,265 

. .Washington 

.New  York. . 

10.899 

24,346,506 

5,173.279 

4,386.686 

18621! 

..John  Hancock 

.Mass 

5,591 

10,505,729 

2,794,844 

2,425,608 

1864.. 

. Brooklyn 

.New  York. . 

4,479 

10,532.717 

2,462,699 

2 262.890 

“ 

..Globe  

.New  York. . 

10,994 

20,913,024 

4,398,653 

3,979,624 

..Continental 

.Conn 

10,822 

13,946,716 

3,355,120 

3,044,181 

18651! 

..Universal 

.New  York.. 

11,300 

25,655.085 

3,542.321 

3,238.454 

“ .. 

. . Connecticut  General  . . . 

.Conn 

3,688 

6,689,610 

1,272,299 

969,244 

o 

..Provident  Life 

. Penn  

6.805 

20,847,199 

3,573.893 

2,626,817 

186611 

..Travelers’ 

. Conn 

10,833 

19,146,391 

2,908,382 

2,349,592 

“ 

..Railway  Passenger 

. Conn 

475.536 

35,000 

..Southern  Mutual 

. Kentucky  . . 

2l  232 

5, 365', 890 

877,534 

744.021 

18671! 

. . Metropolitan 

.New  York.. 

17,508 

24,223,764 

2,145,193 

1,915,927 

..Union  Central 

. Ohio 

5,809 

10.866,185 

1,290.282 

1,085.297 

“ 

..Missouri  Valley 

. Kansas 

7,572 

5,207,771 

595,789 

518.767 

“ 

. . Hartford  Life 

. Conn  

2,382 

3,502,683 

946,628 

560.888 

. . Michigan  Mutual ... 

.Michigan... 

6,134 

12,670,213 

910,778 

667,406 

“ .. 

. . Equitable 

. Iowa 

1,711 

2,360,707 

385,742 

340,644 

w 

,+National  Capital 

.D.C 

3.000 

5,000,000 

1,000,000 

1,000,000 

1868  * .* 

..National,  U.  S 

.D.  C 

10,343 

21,619,001 

3,782.629 

3,123,008 

. . Homoeopathic 

.New  York.. 

3.270 

5,539,569 

687,149 

595,204 

“ 

..Life  Association 

.Missouri 

12,553 

33,810,626 

4,173,161 

3,924,544 

“ 1. 

..Western 

.New  York. . 

1,216 

1,060,439 

197,173 

150,204 

«c 

..Pacific  Mutual 

. California.. . 

3,645 

8,334.283 

1,282,994 

916.750 

. .Vermont  Life 

.Vermont . . . 

515 

940,000 

181,398 

82,564 

1868'.! 

. . Homestead  Bank  

. Penn 

384 

246  249 

356,243 

45,444 

1869. 

..Piedmont  & Arlington...  Virginia ... . 

5,621 

12,325.949 

1,963,164 

1,800,704 

1869.. 

..North  American 

. Penn 

149 

84,462 

92,300 

35,024 

Speak  well  of  your  friends — of  your  enemies  say  nothing. 


THE  CHRONICLE  ALMANAC.  69 


LIFE  INSURANCE  COMPANIES  NOW  EXISTING,  continued. 


Year  of  Name 

Org’z’n.  -Name- 

Numberof 
State.  Policies 
in  Force. 

Amount 

Insured. 

Gross 

Assets. 

Gross 

Liabilities. 

1872 Toledo  Mutual 

1875  . . . Provident  Savings 

1854. . .^Maryland 

1856.. .*  Franklin  

1869.. .*Cotton  States 

1869.  ..* Louisiana  Equitable 

1870.  ,.*Mutual  Life 

1871. . .*Mobile  Life  

.Ohio  . ...$  602 

.New  York  . 911 

.Maryland  1 
.Indiana...  | 

.■£SSkfw» 

.Maryland.  I 
.Alabama..] 

$ 749,371 

2,231,700 

25,000,000 

$ 142.446 
131,253 

3,000,000 

$ 30,089 

50,493 

2,500,000 

Number  of  Companies— 38. 

Totals.  .249,944 

$560,731,586 

$97,611,488 

$82,323,123 

*No  report  is  given  as  to  these  companies.  It  is  estimated  that  they  have  together  policies 
in  force  as  above  stated. 


tEstimated  from  last  report  of  American  National  Life  and  Trust  company  which  was  rein- 
sureu  in  this  company. 


LIFE  INSURANCE  IN  THE  UNITED  STATES. 

Showing  the  business  in  force  in  the  several  States  on  the  1st  day  of 
January,  1877. 


State. 

Population. 

Number 

of 

Policies. 

Amount 

Insured. 

Annual 

Premiums. 

Claims 
paid  in 
1876. 

California  

560.247 

*18,000 

$45,000  000 

$1,500,000 

$800,000 

Connecticut 

537.454 

24,600 

47,422,838 

1.712.529 

798.945 

Illinois 

2,539,891 

49,437 

103.963,146 

3,086,881 

1,593.214 

Iowa  

1,194.020 

23,009 

29,591,849 

788,343 

199,626 

Kansas 

364,299 

3,532 

7,787,000 

238,953 

91,992 

Kentucky 

1,321,011 

11,105 

32,039.455 

922.453 

572,546 

Maine  

626,915 

14.308 

23.260.242 

703  647 

274  39? 

Massachusetts 

1,457,351 

47,600 

130,303.860 

6.262,413 

1,590,000 

Michigan  

1,184,059 

24.148 

50,202,906 

1,433.226 

629.225 

Minnesota 

439,706 

9,173 

14,976,603 

456,672 

258,529 

Missouri 

1,721,295 

16.837 

45,935,862 

1,523.453 

848.784 

New  York 

4,382,759 

139,881 

382.944,493 

14,400,132 

4,674.337 

New'Jersey 

906,096 

19,166 

47,488,297 

1,284.237 

758.647 

New  Hampshire 

318.300 

8,427 

12,405,947 

439.066 

177.094 

Ohio 

55,355 

128,598,547 

4,017,032 

1,382,187 

Pennsylvania 

3,521.951 

73,896 

202,072.195 

6,454,759 

2,825.516 

Rhode  Island 

217.353 

6,415 

17.428.822 

536,697 

258.224 

Wisconsin 

1.054.670 

23,489 

39  332,798 

1,211,728 

408  939 

♦All  the  other  states  combined.  13, 150,068 

203,716 

512,276,158 

29,836,002 

10,774,009 

Totals 

38,162,705 

772,094 

$1,873,031,038 

$76,828,223 

$28,916,211 

♦Estimated. 

The  English  life  table,  compiled  by  the  registrar-general  of  England,  shows 
that  out  of  a population  of  40,000,000  there  are  10,000  males  between  the  ages 
of  25  and  65 ; or,  in  other  words,  one-fourth  of  the  population  are  of  insur- 
able age.  If  we  assume  that  one-half  of  these  are  in  good  insurable  health, 
we  should  have  in  the  United  States  one-eighth  of  the  population,  or  4,700,000 
lives  capable  of  being  insured;  yet  less  than  800,000  actually  hold  policies  in 
all  the  companies  combined.  The  field  for  life  insurance  is  thus  seen  to  be 
practically  unlimited.  Let  the  companies  not  despair,  and  let  the  life  agent 
take  heart.  The  present  prostration  is  but  temporary.  When  the  wrecks  of 
ruined  companies  shall  have  been  removed,  and  the  sound  institutions  remain- 
ing shall  exhibit  a strength  and  vigor  uninjured  and  reinforced  by  the  troubles 
and  suspicions  through  which  they  will  have  passed,  life  insurance  will  again 
command  public  confidence  and  sympathy,  and  will  share  in  the  general  revival 
of  trade  and  the  renewed  prosperity  of  the  people,  which  cannot  long  be 
delayed. 


THE  CHRONICLE  ALMANAC. 


s 

i 

1 

S 

a 

05 

I 

E 

I 

a 

I 

a 


t-COOCOlO 

OOWSWM 

t-ooofflH 

coTo'cT^cd 

OOOSOStH^ 
<&r«  T-HCO 


i^ill 

SS'8S 2S 


o«o?^ 

fflt-HMrt 
rH*  tH  CT 


O 30  00  00  CO 


*ao  5 


~ 5.®  E 


2 o 

o d-° 


3 £^.2  b 


H r-H  t-  CD 


c*c*  c*  <m 


£§  £2  § 

OCO  H t- 

dV  »rT  o 


gs&ag 

PL,  S«l3-g 

^5«H 


daaas 
•g  o '53  ‘S  5 

P5^P3&5Q3 


t>s  x <X>  ^ £>* 

.©  S^r-0.? 

'S5i«,d'd 
a>  t*.a  « a> 

g .is  a>  ® » 

.2  o S .2 .2 


Bs  & & £ Be 


oooo 
of  O 

300 


bo  oo  co  go  oo 


^ o o o o 


•2?S 

eo'gjl 


ICO  3^-5  £ 

! « o . "5 

ifi^cco 


O TH  O £-  lO 

2ESSSS 


WO»ONO 

CO  C*  3 r-j 
09  Oit^aicf 
Of  o Tt«  l- 

OlrHOiHCO 


sa 

w.2 


^ rrj  rg 

££|f| 

'd'O  os  os  a 


QQ  OQ  0)  © ® 

.S.S  s a g 

0)  O aJ  53  ID 


oj  2 o 53  3 
ooSO 
^ 


.2 .2 .2 .2 .2 


%MMXM 
§5  o o o o 

£ £ & & £ 

© fl)  © © 5) 


% 

3 ©'d 

|1S 

^SGO-gj 

■g^aaa 

ns  a a g 

<<<jhp3&* 


rH«t*SO) 


t-ooooff* 


t-5  5 3 

TJ  jj.  fl  T3  4J 

•2sa.2& 

a.-0^  a’0 

^'S'S  S © 

#>  g 3 > g 
® a ” 5!  a 
0 .3  .3  o -2 


O O w 

£ & 3 a £ 
<d  a) 


§S^I  § 

- n£>0  " 


.2  2 


KWa^O 


3SS 

oidai 


7 I 


wamoos  tt oo 'N  , <?« 
o — no  w oo  i-  x <-  h 

^oooh  ® ®MM  co 

OCDO,*f  £■**—'  O I co 

»r;0-J5  0»  y- 1 r-  GO  O 


ib£3£;8 


I 

T3  ^ 


,§fca 

5?o3 


dfld 


S5SM 


2 *.a 
3£s 


S3  p<2 

a«3 


THE  CHRONICLE  ALMANAC.  73 


SPECIAL  INFORMATION  AS  TO  LIFE  INSURANCE  COMPANIES  IN  HANDS 
OF  RECEIVERS. 

Great  Western.— Receiver  has  paid  two  dividends,  amounting  to  twenty- 
five  per  cent,  of  reserve  valuation  of  the  policies.  Funds  exhausted.  Loss, 
seventy-five  per  cent. 

Craftsmen’s.— The  risks  of  this  Company  were  reinsured  by  the  Hope  Mutual, 
and  those  of  both,  subsequently,  by  the  New  Jersey  Mutual  Life  Ins.  Co.  There 
is  a special  deposit  of  $100,000  with  the  Insurance  Department  of  New  York,  to 
secure  policies  of  Hope  Mutual  Co.  Aside  from  this,  the  claim  will  be  on  the 
funds  of  the  New  Jersey  Mutual.  Probable  loss,  eighty  per  cent. 

Hercules.— Receiver  has  paid  dividend  of  twelve  per  cent.  Probable  loss, 
eighty  per  cent. 

Eclectic.— Assets  nominal,  except  deposit  of  $97,000,  still  held  by  New  York 
Insurance  Department.  Receiver  cannot  make  a dividend  until  he  obtains  pos- 
session of  deposit,  as  to  which  there  are  law  suits.  Probable  dividend,  twenty- 
five  per  cent.  Probable  loss,  seventy  five  per  cent. 

National. — The  Receiver  was  discharged  from  duty  by  the  Coqrt,  June  12, 
1875,  after  having  reinsured  the  risks  in  the  American  National  Life  and  Trust 
of  New  Haven,  Conn.,  now  reinsured  by  the  National  Capitol  of  Washington, 
D.  C.  Insurance  Department  of  New  York  still  holds  deposit  of  $100,000.  No 
loss,  as  yet. 

Asbury. — Insurance  Department  holds  deposit  of  $100,000.  Probable  divi- 
dend, eighty  per  cent.  Probable  loss,  twenty  per  cent. 

Commonwealth. — The  risks  were  reinsured  by  the  New  Jersey  Mutual  Life, 
by  exchange  of  policies.  Those  retaining  their  original  policies  are  likely  to 
receive  the  full  reserve  from  deposit  of  $100,000  with  N.  Y.  Insurance  Depart- 
ment. 

Merchants’.— Policies  reinsured  by  Globe  Mutual  Life,  without  loss. 

Teutonia. — Receiver  has  paid  policyholders  a dividend  of  seventy-five  per 
cent.  Probable  loss,  twenty  per  cent. 

Mutual  Life  of  Chicago. — Complicated  with  the  Safety  Deposit  Life.  Re- 
ceiver has  paid  a dividend  of  ten  per  cent.  Fund  may  yield  fifty  per  cent. 

Safety  Deposit. — Reinsured  by  Mutual  Life  of  Chicago.  Policies  remaining 
will  probably  obtain  the  full  reserve  valuation. 

Continental. — Includes  policies  of  American  Tontine,  British  Commercial, 
Empire  Mutual,  Farmers’  and  Mechanics’,  and  International  of  London.  The 
Empire  Mutual  has  a special  deposit  with  the  New  York  Insurance  Department 
of  $100,000,  which  may  protect  its  policies  from  loss.  The  general  fund  may 
yield  a dividend  of  fifty  per  cent. 

Security. — Assets  largely  in  premium  notes.  Probable  dividend,  twenty-five 
per  cent.  Probable  loss,  seventy-five  per  cent. 

New  Jersey  Mutual. — Includes  policies  of  Hope  Mutual,  Commonwealth, 
and  Craftsmen’s.  The  amounts  are  given  from  the  report  of  D.  P.  Fackler, 

What  is  the  difference  between  a poor  gun  and  a borrowed  masquerade  costume?  One  is 
fired  and  doesn’t  hit,  and  the  other  is  hired  and  doesn’t  fit. 


74  THE  CHRONICLE  ALMANAC. 

LIFE  INSURANCE  COMPANIES  IN  HANDS  OF  RECEIVERS,  continued. 

Actuary,  made  to  the  Secretary  of  State.  The  Receiver  has  not  been  able  to 
find  the  same  amount  of  assets,  but  disregards  notes  and  premium  loans  which 
axe  good  offsets  to  the  reserves  on  policies.  Probable  dividend,  twenty  per 
cent.  Probable  loss,  eighty  per  cent. 

St.  Louis  Mutual. — Includes  policies  of  Atlas  and  De  Soto  Companies. 
There  is  a suit  against  the  Columbia  Life  to  recover  assets  illegally  transferred. 
Should  this  succeed,  there  may  be  a dividend  of  fifty  per  cent.  Probable  loss, 
fifty  to  seventy  per  cent. 

North  America. — The  Receiver  divides  this  fund  into  that  held  by  the  Insur- 
ance Department  to  secure  registered  policies  and  the  general  fund.  If  this 
distinction  is  upheld  by  the  courts,  the  registered  policyholders  are  likely  to 
receive  ninety  per  cent,  of  the  reserve;  the  non-registered  sixty  per  cent.  If 
made  a common  fund,  the  probable  dividend  will  be  seventy-five  per  cent. 
Loss,  twenty-five  per  cent. 

Guardian. — Assets  largely  in  notes.  Suit  against  Universal  Life  for  assets 
illegally  transferred.  If  this  succeeds,  the  probable  dividend  will  be  fifty  per 
cent.  Loss,  fifty  per  cent. 

Reserve  Mutual. — Originally  called  Mutual  Protection.  The  assets  seem  to 
cover  the  policy  liability  in  full,  but  there  may  be  a claim  from  the  Widows’  and 
Orphans’  Benefit  Life  in  the  final  distribution  by  order  of  court.  It  is  probable 
that  there  will  not  be  any  loss. 

Widows’  and  Orphans’  Benefit. — The  claim  against  the  Reserve  Mutual  Life 
may  make  good  the  policies  of  this  Company. 

New  York  State. — The  deposit  of  this  Company  with  N.  Y.  Insurance  De- 
partment fully  covers  its  policy  liability.  Loss  nothing. 

World  Mutual. — Deposit  of  $100,000  with  Insurance  Department.  Probable 
dividend,  sixty  per  cent.  Loss,  forty  per  cent. 

Republic. — The  figures  are  taken  from  the  Illinois  Insurance  Report.  The 
Receiver,  however,  makes  a worse  showing,  and  has  sued  some  of  the  trustees. 
Probable  dividend,  twenty-five  per  cent.  Loss,  seventy-five  per  cent. 

American  Popular.— Receiver  has  recovered  dividends  illegally  paid  to  stock- 
holders. Under  his  vigorous  management,  the  fund  may  pay  a dividend  of  fifty 
per  cent. 

Chicago  Life. — Probable  dividend,  fifty  per  cent.  Loss,  fifty  per  cent. 

Columbia  Life  (of  St.  Louis,  Mo.) — This  is  the  Company  formerly  known  as 
the  St.  Louis  Life,  and,  previously,  the  Mound  City.  Includes  risks  of  those 
companies,  and  of  Missouri  Mutual  Life.  There  is  a suit  against  the  Company, 
brought  by  the  Receivers  of  the  St.  Lous  Mutual  Life.  If  this  suit  succeeds, 
the  remaining  funds  may  yield  a dividend  of  forty  per  cent.  Probable  loss, 
sixty  per  cent.  Receiver  of  Columbia  has  brought  suit  against  the  Life  Asso- 
ciation of  St.  Louis,  for  assets  illegally  transferred. 

Atlantic  Mutual, — An  effort  was  made  to  set  aside  this  receivership,  and  wind 
up  the  Company  under  the  bankr  pvy  laws  of  the  United  States,  not  successful. 
The  probable  dividend  will  be  seventy-five  per  cent.  Loss,  twenty-five  per  cent. 

No  man  can  be  successful  who  neglects  his  business. 

LIST  OF  LIFE  INSURANCE  COMPANIES  OF  THE  UNITED  STATES, 


7 6 


THE  CHRONICLE  ALMANAC. 


Wisconsin 

West  Virginia. . 

Virginia 

Vermont 

Utah 


•pqpq 
« rpq 


PQ  rpqpqpqpq 

: rpqpqpqpq 

: pqpq  rpq 

PQ  PQPQ  :PQ 

: :pq  :pq 


Texas \ . . 

Tennessee 

South  Carolina. 
Rhode  Island... 
Pennsylvania  . . 


pq 


pq  ' 


pq  : pqpqpq 

pqpqpqpqpq 


: pq  : : 
:pq  :pq 
pqpq  : : 
:pq  : pqpq 
pqpqpqpqpq 


Oregon 

Ohio 

New  York.. 

New  Jersey 

New  Hampshire 


pqpqpqpqpq 
pqpqpqpqpq 
: pqpqpq 
:pq  pqpqpq 


North  Carolina 
Nevada  . . . 
Nebraska  . 
Missouri  . . 
Mississippi 


: pq  :pq  : 
pqpqpqpqpq 
pqpqpqpqpq 
pqpq  pqpq  : 
: pq  :pq  : 


Minnesota 

Michigan 

Massachusetts ., 

Maryland 

Maine 


pq  :pq 
pqpqpq 


pq  : :pq  : 
:pq  :pq  : 
:pqpqpq  : 
pqpqpqpq  : 


Louisiana  . 
Kentucky. . 

Kansas 

Iowa 

Indiana  . . . 


rpqpq 

pqpqpqpqpq 
pqpqpqpqpq 
pqpq  pqpqpqpq  : 
pqpqpqpqpq 


pqpq 


: pqpq 
:pq  pqpqpq 
pqpqpqpq  : 


:pq  pqpqpq 
pqpqpqpqpq 
: pq  pq  pq  pq 
pqpqpqpq 
pqpq  :pq 


: : pqpq 
rpqpq  : 

: pqpqpq 
rpqpq  pqpq 
pqcqpqpq  : 


Illinois 

Georgia 

Florida 

Dist.  Columbia 
Delaware 


pqpqpqpqpq 
: pqpqpq  : 


pqpqpqpqpq 

pq  : : : : 


rpqpq  pqpq 
pqpq'  rpq  : 


Colorado 

Connecticut . . . 

California 

Arkansas 

Alabama 


“i  S 2 

<Jl-3 


H -H  I 


g§ 

of  of 


0)  CD 

o o 

II 


rpqpq 

CJ^OO^ct! 

lodbi-oso 

I S|| lx 

TO  Si  TO  ©f 


PS 


PQPQ 

i • • gS 

' Mi 

r^S  • 

: : 2 ~ 

§!-a 

S^S  >2 

03  3 m 73  cS  0 c3 

SS  pq^SizrSs 

SS  SSS83 

OOQO  00  00  GO  00  do 


CO  C/2  CO 


ZB 

< =S 

PS 
oj) 

S| 

S oo3 


w 


PQPQPQ  : 
PQPQ  : pq 


O C5  CO  CO 
Q(-OtOW 

O CO  rl  0 rl 

o*  ©*  © c © © 
© ?>  3-1  © to 


lOOOO 

m 5 o o o o 

I 

& * * * * 
0)  . Q)  D <D  0 


PH 


PS=| 

O-uSo 

CO  fl  £3  to 

« & p « 


B§  >H  : 

f^sls 

pq  S P33  goo 
izr-3  £2 ‘3  £-23 
2 2 c«5o 

S pqHOOM 


THE  CHRONICLE  ALMANAC. 


77 


: pqpqpqpq 
: PQ  :pqpq 
:pq  pqpqpq 
pqpqpqpqpq 


M :pqpQW 
pq  : : pq  : 
pq  : 

pq  :pqpq 

PQ  : : : 


: pq  pq  : : 
: pqpq  :pq 
pqpqpq  :pq 
pqpqpq  : pq 
pqpqpqpqpq 


pq  : 


pqpq  : pqpq 
pqpq  pqpqpq 


pqpqpqcqpq  pqpq 


pqpq  pqpqpq 
pqpq  pqpqpq 
: pq  pqpqpq 
pqpqpq  :pq 


pq  : pqpqpq 
pqpq  pqpqpq 
pqpq  pqpqpq 
pqpq 


pq  : 

:pq  : :pq  pq 

:pq  : :pq  pq 

: pqpq  pqpq  pqpqpqpqpq 

: pq  : : : : : : : : 


: pq  : pqpq 
pqpqpq  :pq 
pqpqpqpqpq 
: pq  pqpqpq 
pq  : : pqpq 


pq  : pqpqpq 
pq  : pqpqpq 
pqpqpqpqpq 
pqpqpqpqpq 
pq  : : pqpq 


pqpq 


pq 


pqpqpqpqpq 

pqpqpqpqpq 


pq  : pqpqpq 
pq  :pqpq  : 


pqpqpqpqpq 
:pqpq  : pq 


pqpqpqpqpq 

: : : pqpq 


pqpqpqpqpq 
: pqpq  :pq 


pqpq  :pq  : 
pq  : : pqcq 


pqpq  pqpqpqpqpq 


t-'o'io'  irfcc 
go  z!  ■t  ** 


nOOoS 


fcfcfc&Jz;  HO  pq£ 


d i 

: 

£ : 

< . 

• ^ : 
m c ; 

•E-i 

Dathic  . 
bocker. 

an 

litan. . . 

rk 

it  Savin 
States. . . 

il 

jton 

1| 

& j 

h • 

GO  • 

C5 

§ 3 • 
Pq-g© 
©!  « § 

« S tP 

.2h4 
c « 

E-i 

£ 

O 

^ib-3 

S .2  c t -3  £ > .£  « 

c c ~ a>  3 o P c Sk 


ho  d a 


O «.§ 


£ioo§ 

<<0«£pq 

©CO  00  35 
io  - ? qo  50  -r 
GO  00  GO  00  00 


gag 

f>^,3 

SS 

tHOS 


8o 


THE  CHRONICLE  ALMANAC. 


Wisconsin. . . 
West  Virginia.. 
Virginia  . . . 
Vermont . . . 
Utah 


Texas 

Tennessee ...... 

South  Carolina, 
Rhode  Island. . . 
Pennsylvania  .. 


pq  : :m  : pq  : 


Oregon 

Ohio 

North  Carolina. 

New  York 

New  Jersey 


New  Hampshire 
Nevada  . . 
Nebraska 
Missouri . 
Mississippi . 


Minnesota 

Michigan 

Massachusetts . 

Maryland 

Maine 


pqpqpqpqpq  pqpqpqpqpqpq 


Louisiana  . 
Kentucky. . 
Kansas .... 

Iowa 

Indiana  . . . 


MMpqpqpq  pqpqpqpqp}  pq  pq  pq 


Illinois 

Georgia 

Florida 

Dist.  Columbia 
Delaware 


Connecticut . . . 

Colorado 

California 

Arkansas 

' Alabama 


" lO  C)  ot 


O t> 
CrlCOffJ 


ooooo 

!!'!n 


<!,p 

§1 

q <d  ” ' ; go  <*8  % ca 

SfS  : S Begg •: 
jS-ggS  Oog^o 
o “ Ck  o 

MOO«  CO  lO  «D  j-i 

ocaooooo  ceaooBccco 


OOOOO  OOO 


SSSS3  ssss_ss 


OJ  01  0)  OJ  o « o o oj  cj'rtcs'cScs  « 3J  ei  cj  ci  C 3 

fcfcfcfcfc  £££  ^pq  pqpqpqpqpq  pqpqeqpqpqpq 

'e'-g 

§ g 


fjoo®  girt  ^§rt  g a 

tinss-  M 41  MliiJe 


3 ;fH 

3 a > B-2  £ 

S o 53 


<Hpq£|q  OffiW^^PLt 


W t-  SO  GO  05  Ol 
OcSoaOOOcSaO 


THE  CHRONICLE  ALMANAC 


PQPQPQ  pqpq  : pq 


pqpqpqpqpq  pqpqpqpq  : 
pqpqpqpqpq  pqpqpqpqpq 


PQPQPQ  pqpqpqpq 
PQPQPQ  pqpq  : PQ 


PQ  PQ 
PQPQ 


PQ  :PQPQPQ 
PQ  PQ  :PQPQ 


PQ  PQPQ  PQPQPQ  PQPQ 


PQPQCQ  pqpQpq 


PQ  PQ  : PQPQPQ 


PQ  : PQPQPQ 

PQ  :pqpqpq 

PQPQ  PQPQPQ  PQPQ  PQPQPQ 


PQ  PQ 


pqpqpq  pqpq 


:pq 


PQ 


: PQPQ  : PQ 
pqpqpq  pqpq 
PQPQ  PQPQPQ  PQPQPQPQPQ  PQPQPQPQ 
pqpqpq  pqpq  : : 
pqpq  pqpqpq  pq  .-pqpqpq  pqpqpqpq 


PQ  : : PQ  : 
PQ  : PQPQPQ 


PQ 


pq  :pq  pqpq  : pq 


:pq  :pq  :pq 


PQPQ 

PQPQ 


PQPQPQPQ 
PQ  : PQ  : 
PQPQPQPQ 
PQPQPQ  : 


pq  pqpq  pqpqpq  pqpq 


pqpqpq  pqpq  :pq  pqpq 


PQPQPQPQ 
PQ  : PQ 


pqpqpq  pqpq  ; 

PQ  : 


ooccoo 

8SESS8 

Iff  cQ'r-T  t-h  of 

onoio-tg 
eo  in  eo  o 


JO  O*  C5_  QO  o 
of  GO  of  CS  of  CO"  I 
%%%%% 


00^00  coooo 


PQ  oi  PQPQ  PQPQPQ  pqpqpQpqp 


OP  3 
03  o 

3 bp 


^ o g o o' 
|oo 


o o o o o 
d o c c c 


i s 


B <1 


j >T1  O oc 


i?  o«oo  ooccc  05,bo 
p£  pq  O pq  pq  pqpq  pqpqpq  pqdoVqpq 


s d Si 


if  caS; 


<q-<pqpq 

JO  GO  OJ  o _ 

CO  CO  00  GC  00  c cicxx 


JO  01  03  OJ  03  00  GO  C5  iO  03  OJ  o 


5 :$ 

501!  Illl 

OCR  CO  03 


£ :i  & 

<1  .■§  o 
g ;«  w 
a :g 

0.5  b«  gs 


PQPQPQ 
PQ  ; PQPQ 
PQPQPQ  : 


5888 

o eo  oi 

O i-H  CO  rl 

a*  eo  C3  i-i 


Os  • 

GO  <3  oj  g 

CO  « 5 ~ 


X;  GO  GO  00  00  CG  00  GO  GO  GO  GO  00  00  GO 


H-c  op  LJ  3 > c/3. 5 3—  -7j  © 

sfii  SI  S silli- 
es s'  6 Is&sa 

OO  o $8  CONlOlrtOi 

52  2 00  GO  oo  oo  oo  oo  oo 


82 


THE  CHRONICLE  ALMANAC. 


Wisconsin 

West  Virginia.. 

Virginia 

Vermont 

Utah 


Texas  

Tennessee 

South  Carolina. 
Rhode  Island. . . 
Pennsylvania  . . 


Oregon 

Ohio 

North  Carolina. 

New  York 

New  Jersey  . .. 


MM  :m 
MM  :m 


MMM  : : :m  : : : M :m  : : : :MMM  :MM  :m 

pqpqpqpqpq  cqpqpqpqcQ  pqpqpqpqpq  pqpqcqpqM  MMMMffl  MM 


New  Hampshire 

Nevada 

Nebraska 

Missouri 

Mississippi 


: :m  : 

M :m  :m 


Minnesota 

Michigan 

Massachusetts .. 

Maryland 

Maine 


MMM 

m :m 


M :M 
MM  : 
MMM 


: M : M 
MM  : M 
MM  :m 
MM  : M 
MM  :M 


Louisiana 

Kentucky 

Kansas 

Iowa 

Indiana 


:M 

MM 

MM  : M 
MM  : : 


Illinois 

Georgia 

Florida 

List.  Columbia, 
Delaware 


Connecticut 

Colorado 

California 

Arkansas 

Alabama 


C: 

C l Tf 

ss 


Igll 

CO  Cl  r-< 


g s s-g  3 

£ % ? N f 


cs  o r-  o 

g§?S3g£ 
3S  8>W 


M :m  : 
: :M  : 
M : M : 


gg&gs  ssess  SS 

BsTffiSsS 


-10100  i~cc-i 
R ko  T 2>  $ r 


'-2  '2 

•I  2? 


K 

m 

53  M 


fe;  3 f£§s‘£'g.3 

£ <!Eock 


i*o#b 

o&<d°3<i?  333  c^<s3S 

,g|g|g  %%t~S  o.S||M 


oSS'So 

flcsa*  So 

o o h S ^ cj  oj  o;.h-3  o ^ a)  o o 

SSSSE  £££££ 


t « » 

> coa,£  ^ 

f 0003 
^fgPnMS 

§6  3o  oc  co  £0 


■S-g 

■SS 


84 


THE  CHRONICLE  ALMANAC. 


Wisconsin. 
West  Virginia 
Virginia  . 
Vermont . 
Utah 


Texas 
Tennessee . 
South  Carolina 
Rhode  Island. 
Pennsylvania 


pq 

pqpq 


pqpq  :pqpq 


Oregon 

Ohio 

North  Carolina 
New  York  . 
New  Jersey. 


pq  : :pq  : 
pqpq  :m  : 
pq  : :pq  : 
pqpqpqoqpq 
pqpq  :pq  : 


pqpqpqpqpq  pqpqpqpqpq  pqpapqpqpq  mpqpqwpq  pqcqpqpqpq  pqpqpq 


New  Hampshire 

Nevada 

Nebraska 

Missouri 

Mississippi . . . 


pq 


pq  : 
pq  : 
pq  : 
pq  : 
pq  : 


Minnesota 

Michigan 

Massachusetts 

Maryland 

Maine 


pq  : 
pqpq 
pqpq 
pqpq 
pqpq 


pqpq 
: pq  pq 
pqpq 


Louisiana. . 
Kentucky. . 

Kansas 

Iowa 

Indiana . . . 


pq  : 
pqpq 


pq  : 
pqpq 


Illinois 

Georgia . . . 
Florida. . . . 
Dist.  Columbia 
Delaware 


pqpq 

pqpq 


Connecticut . . 

Colorado 

California 

Arkansas 

Alabama 


pqpq 
pq  : 
pqpq 


pq  : 
pq  : 
pq  : 


til 


00  ca  CC^O  GO  CO  CO  GO  l>  C*  th  th  O*  rt  Tt  Tf  CO^O  COO 

hVooV  T-T-rH  t-Tth  go  coVnVio'  oVod 
c3Scccoi§  o^Joo^hco 


05. 


Date  of  Organ- 
ization   


. O c3 


^ ? aGS 

~ o o c o 

SBSM 


o o o o o 

* is  is  is  £ 

©SiOiS® 


©*!g>§ 

O O c 

xtx£ 


:0  :oo 

£o  >.o  o 


!ili| 

.5  c-  *2  5 55 


>>o  o o >, 
s 3 
o > > > g 

°®©®s 


ooo  o 

XXS4  ‘X 
ooo  C.o 

£ £ £ § £ 

O O O £ O 


S3? 

S5SSSS  9352S2S  SS55S22  S2 


| pSS-3 

•SSSMS 


id'b’dg)  ddd 

>,3  O C02  ooo 

§ £ is  £.2  £ & is 

l;®o«a  ooo 


_ w w.O  O .0,0  o 
3g!*P*P*  P*!*pH 
SB'S*** 

ri  cj  o g fl)  oa)o 

£££ 

O?  GO  CO  CO  CO  CJCOC* 


THE  CHRONICLE  ALMANAC.  85 


mmm 

MMMM 


MM 


MMM 

:ww 

:mm 

MM 

m 


:mm 

MMM 

MMM 


:MM 
:M  : 
MMMMM 


MMMMM 

MM 


mmm  : : :m  : MMM 

: M : MMM 

MMMMM  MMMMM  MMM 
:«  :mm  : :m  : : : MM 


MMMMM  M 


: MM 
:MM 


:mm 
:mm 
:mm 
:mm 
:m  : 


:mmm 

MMM  : 
MfflfflM 


MM  : 

:m  : 
:m  : 

:MM 

:m  : 


MMM 

MMM 

MMM 

:mm 

:mm 


:mm 
:m  : 
:mm 
:mm 


MM  : 
MMM 


: ;m 
:mm 
:m  : 

MMM 

MMM 


:m  : 

:M  : 


MMM 

:mm 


:mm 
:m  : 


IS11T 


*88£ 


8 cS  co  8 


nsn  mis  isi 


3 888 


Q,oo° 


dodo  : 

MXXX  ■ 
^ ^ o 8 o o £> 
“ ‘ 


o o o 

££  £ fi’S 


. <D  >Z  (DO  0 O Q O l d)  O d ^ O 

££^£0  [zi^fc&M  ^^iMK 


l^gga® 

M . bs  ^3^3  bC  tn  ^ u H 
o^o£§ 

. « O O ^ c3  cj  O OfCl 

££££0  MMMMM 


©O  * 


MMMMM 


ooooo 

ooooo 

||  HI 


m c3-«  u 
Jh  3 O c3 

agg'S 


Mt»  020202 

CO  tH  OJ  05  TH 

8S0880O 


000  ;o 

•XrXM 

o o o • o 
& £ £S§  £ 

© © © p © 

£6£m£; 


$P28g 

iocoio;©^ 

8 SSSS 


c3  cs  c3  cS  ai 

G 3 5 G G 

c a g e o 


3m  s 


•2  3 

occcE-iPP 

888008 


oi 

«w 

<1  c3  ■ 


ffi  O 

«3oa  „c 

gfSl  s» 


0-2  ^ § § 
0^3  O o o 

°ES3.3.a 

«<oo 


88 


THE  CHRONICLE  ALMANAC. 


Wisconsin. . 
West  Virginia.. 

Virginia 

Vermont 

Utah 

Texas  

Tennessee 

South  Carolina 
Rhode  Island. . 
Pennsylvania  . 

Oregon 

Ohio 

North  Carolina. 
New  York  . 
New  Jersey. 
New  Hampshire 

Nevada 

Nebraska 

Missouri 

Mississippi 

Minnesota 

Michigan 

Massachusetts  , 

Maryland 

Maine 

Louisiana 

Kentucky 

Kansas 

Iowa 

Indiana 

Illinois 

Georgia 

Florida 

Hist.  Columbia, 

Delaware 

Connecticut 

Colorado 

Calif  prnia 

Arkansas 

Alabama 

‘ i-v 

$ 

gj  33  oo 


pqpqpqpqpqpq 

pqpqpqpqpq  pqeqcqpqcq  pqpqpqpqpq  cQWWWW  pqpq  pq  :pqpqpqpq 


WW 
W W 


WWWW 
: W :w 


WWWW 

:w  . 


www 


WWWW 

WWWW 

WWWW 

WWWW 

WWWW 


www  : 

: : : w 

wwww 


wwww 

WWW 


lilSI 


<2%  0 03^  Oh  L'*-  iO  00  t-i  lO  Ob 

oo  in  xr  oi  S3  3 co  Snooo  ri 

8 8'sg  SfSfcSS  gs'gfss  «*"» 

t-i  t-i  O*  OJWffiiHtJ  MrHHCOTf  « 


Doaoaicocc 


•gJteif 


£3 

O c3 


. Ph  Ah  -<  £ Ph  SPhW^W  WP 


■^3  & .Jj-.C.S 

£ a p-j tifta 
“■q3  'Sot  a>  o 
S3  & & W/a2,g,g 

§w  w<iwww 


- g5 

i! 


"33  'zi  rC  ^ '3  T3 


Date  of  Organ- 
ization   


£ “ W>g  p-r; 
H-g  o §2  § 
W H g -32  s:  S 

lO  ^ o o »o 

ooaoooccoo 


33  pia^ 
33  33  O 


'S3  gW  • 

i-  o 33 
,t3  <a>  o o a 
PhE  PSPS® 


2 g 
'2  '3  _ 
oog 


p g o 
33  W 


00  GO  GO  GO  GO  00  00  GO  00  00  GO  GO  GO  GC 


^ o* 

S5oS 


P33K, 
.O  5 o!> 

5^:3  s- 


00  00  00  GO  ?>  00 


Sis 

ce  £ a 


92  THE  CHRONICLE  ALMANAC. 


THE  CENTURY  CALENDAR. 


To  find  what  day  of  the  week  any  date  in  this  century  falls  on.  Find  the  year  in  the  table, 
it  being  understood  that  “ 1 ” stands  for  1801,  “2”  for  1802,  etc.  To  the  number  over  the  year 
add  the  day  of  the  month  and  the  number  set  opposite  the  month  on  the  right;  divide  the  sum 
thus  obtained  by  seven,  and  the  remainder  will  be  the  day  of  the  week  as  numbered  above. 
For  leap-years  use  the  figure  over  the  “ L ” on  the  left  of  the  year  for  January  and  February, 
and  the  one  over  the  year  for  the  remaining  months. 


1 

2 

3 

4 

5 

6 

0 

January 

3 

1 

2 

3 

L 

4 

5 

6 

February 

7 

L 

8 

9 

10 

11 

L 

March 

12 

13 

14 

15 

L 

16 

17 

April 

18 

19 

L 

20 

21 

22 

23 

May 

L 

24 

25 

26 

27 

L 

28 

June 

29 

30 

31 

L 

32 

33 

34 

July 

35 

L 

36 

37 

38 

39 

L 

August 

40 

41 

42 

43 

L 

44 

45 

September 

46 

47 

L 

48 

49 

50 

51 

October 

L 

52 

53 

54 

55 

L 

56 

November 

6 

57 

58 

59 

L 

60 

61 

62 

December 

1 

63 

L 

64 

65 

66 

67 

L 

Sunday 

68 

69 

70 

71 

L 

72 

73 

Monday 

74 

75 

L 

76 

77 

78 

79 

Tuesday 

L 

80 

81 

82 

83 

L 

84 

Wednesday 

4 

85 

86 

87 

L 

88 

89 

90 

Thursday 

5 

91 

L 

92 

93 

94 

95 

L 

Friday 

6 

98 

97 

98 

99 

00 

Saturday  

Example. — On  what  day  did  the  10th  of  May  fall  last  year?  Over  76  we  find  the  figure  4,  to 
this  add  10,  the  day  of  the  month  in  question,  aud  4 which  we  find  opposite  May;  dividing  18  by 
7 we  have  a remainder  of  4,  which  shows  that  the  Centennial  Exhibition  opened  on  Wednesday. 

The  number  over  the  year  in  the  table  may  be  obtained  without  the  table,  by  adding  to  any 
year  the  number  of  leap-years  in  the  century  up  to  that  time  and  dividing  by  seven;  the  re- 
mainder will  be  the  number  required.  So,  if  one  can  remember  the  numbers  set  opposite  the 
months,  he  can  dispense  with  the  use  of  the  table  entirely.  In  the  exmple  above,  the  4 over  76 
is  found  by  adding  19  to  76,  and  dividing  the  sum  by  7,  the  remainder  is  4.  For  leap-years 
decrease  the  number  thus  obtained  by  1 (calling  the  cipher  7)  if  the  date  is  in  January  or 
February. 

For  the  18th  century  after  1752,  find  the  day  for  the  corresponding  year  in  this  century  and 
add  two  days. 


NumDer  of  Days  from  any  Day  in  one  Month  to  the  same  in 
Any  other  Month. 


Jan. 

Feb.  March.  April.  May.  June. 

July. 

Aug. 

Sept. 

Oct. 

Nov. 

Dec. 

January 

. 365 

31 

59 

90 

120 

151 

181 

212 

243 

273 

304 

334 

February.. . 

. 334 

365 

28 

59 

89 

120 

150 

181 

212 

242 

273 

303 

March  

. 306 

337 

365 

31. 

61 

92 

122 

153 

184 

214 

245 

275 

April 

. 275 

306 

334 

365 

30 

61 

91 

122 

153 

183 

214 

244 

May 

. 245 

276 

304 

335 

365 

31 

61 

92 

123 

153 

184 

214 

June 

. 214 

245 

273 

304 

334 

365 

30 

61 

92 

122 

153 

183 

July 

. 184 

215 

243 

274 

304 

335 

365 

31 

62 

92 

123 

153 

August 

. 153 

184 

212 

243 

273 

304 

334 

365 

31 

61 

92 

122 

September  ., 

. 122 

153 

181 

212 

242 

273 

303 

334 

365 

30 

61 

91 

October 

92 

123 

151 

182 

212 

243 

273 

304 

235 

365 

31 

61 

November. . 

. 61 

92 

120 

151 

181 

212 

242 

273 

304 

334 

365 

30 

December... 

. 31 

62 

90 

121 

151 

182 

212 

243 

274 

304 

335 

365 

Example.— To  find  the  number  of  days  from  the  10th  of  May  to  the  10th  of  October  follow- 
ing. Find  May  in  the  first  column,  and  then  in  a line  with  that  under  October,  is  153  days. 
If  from  the  lOthof  May  to  the  25thof  October,  itwould  be  15  days  more,  or  168  days;  but  if  from 
the  10th  of  Mav  to  the  1st  of  October,  it  would  be  10  days  less,  or  143  days.  In  leap-year,  when 
the  last  day  of  February  is  included  between  the  two  dates,  there  will  be  one  day  more  than  by 
the  table. 


If  you  post  your  servants  upon  your  affairs,  they  will  one  day  rend  you. 


THE  CHRONICLE  ALMANAC.  93 


A SIMPLE  RUL3  FOR  ACCURATELY  COMPUTING  INTEREST  AT  ANY  GIVEN 
PER  CENT.  FOR  ANY  LENGTH  OF  TIME. 

Multiply  th  & principal  (amount  of  money  at  interest)  by  the  time  reduced  to  days-,  then  divide 
this  product  by  the  quotient  obtained  by  dividing  300  (the  number  of  days  in  the  interest  year) 
by  the  per  cent,  of  interest,  and  the  quotient  thus  obtained  will  be  the  required  interest. 

ILLUSTRATION. 

Required  the  interest  of  $462.60  for  one  month  and  eighteen  days  at  6 per  cent.  An  inter- 
est month  is  30  days;  one  month  and  eighteen  days  is  equal  to  48  days.  $462.50  multiplied 
by  48  gives  $22,200.00;  360  divided  by  6 (the  per  cent,  of  interest),  gives  60,  and  $22,200.00  divid- 
ed by  60  will  give  you  the  exact  interest,  which  is  $3.70.  If  the  rate  of  interest  in  this  exam- 
ple were  12  per  cent,  we  would  divide  the  $22,200.00  by  30  (because  360  divided  by  12  gives  30); 
if  4 per  cent.,  we  would  divide  by  90;  if  8 per  cent.,  by  45,  and  in  like  manner  for  any  other 
per  cent.  


BOX  MEASURES. 

A box  measure  can  readily  be  made  by  any  one  who  understands  the  two-foot  rule,  and 
can  handle  the  saw  and  the  hammer.  A box  16  by  16 % inches  square  and  8 inches  deep,  will 
contain  a bushel  or  2,150.4  cubic  inches,  each  inch  in  depth  holding  one  gallon. 

A box  24  by  11  1-5  inches  square,  and  8 inches  deep,  will  also  contain  a bushel,  or  2.150.4 
cubic  inches,  each  inch  in  depth  holding  one  gallon. 

A box  12  by  11 1-5  inches  square,  and  8 inches  deep,  will  contain  half  a bushel,  or  1,076.2 
cubic  inches,  each  inch  in  depth  holding  half  a gallon. 

A box  3 by  8)4  inches  square,  and  8 inches  deep,  will  contain  half  a peck,  or  298.8  cubic  in- 
ches. The  gallon  dry  measure. 

A box  4 by  4 inches  square,  and  4 1-5  inches  deep,  will  contain  one  quart,  or  67.2  cubic 
inches.  


TO  ESTIMATE  CROPS  PER  ACRE. 

Frame  togetner  four  light  sticks,  measuring  exactly  a foot  square  inside,  and  with  this  in 
hand  walk  into  the  field  and  select  a spot  of  fair  average  yield,  and  lower  the  frame  square  over 
as  many  heads  as  it  will  enclose,  and  shell  out  the  heads  thus  enclosed,  carefully,  and  weigh 
the  grain.  It  is  fair  to  presume  that  the  produce  will  be  the  43,560th  part  of  an  acre’s  produce. 
To  prove  it,  go  through  the  field  and  make  ten  or  twenty  similar  calculations,  and  estimate 
by  the  mean  of  the  whole  number  of  results.  It  will  certainly  enable  a farmer  to  make  a 
closer  calculation  of  what  a field  will  produce  than  he  can  by  guessing. 


THE  SIDE  OF  A SQUARE  TO  CONTAIN; 

One  acre 208.17  feet.  One-third  acre 120.50  feet. 

One  half  acre 148.58  “ One-fourth  acre 104.36  “ 

One-eighth  acre 73.78  feet. 


One  acre  contains  160  square  rods,  4,840  square  yards,  43,560  square  feet.  One  rod  con- 
tains 30%  square  yards,  272%  square  feet.  One  square  yard  contains  9 square  feet. 


A league  is  3 miles;  a mile  is  5,280  feet,  or  1,760  yards;  a fathom  is  6 feet;  a cubit  is  2 feet; 
a hand  is  4 inches  ; a palm  is  3 inches ; a pace  is  3 feet ; a span  is  10%  inches. 


A cord  of  wood  has  128  cubic  feet;  a ton  of  round  timber  has  40  cubic  feet;  a ton  of  hewn 
timber  has  50  cubic  feet;  a pile  of  wood  4 feet  high,  4 feet  broad,  and  8 feet  long,  makes  1 cord. 


THE  UNITED  STATES  ANI)  ITS  TERRITORIES. 

Table  showing  the  names  of  the  States  and  Territories,  their  population,  area  and  capitals,  with  time  of  election  and  term  in 
office  of  the  Governors  and  Legislatures  thereof. 


94 


THE  CHRONICLE  ALMANAC. 


GO  OC  QO  j»XOOQO  OOCOOOOOOO 


§) 

<1  c-'&y  o'c‘  S £ 

C.C/2  32  -0^0 

•s  S.g.g 

g ^53^3  1?  ^ ^ 

| I %£££ 

^ o3gg_|  CH  c3  c3  c3 

S hSS 


Representatives 
n Congress. . . 


t-  i- 1-  ?>  t- t- 1-  i> 


*-2 


°g^O  £«' 

■J,3rH£ 

o .S 


£ c o o o 
ft  ^ -fl  fl 


I|||h 

53 15-  sS  C3  xJ 


£ggg  gggSS 

r^CSOS'g'g 
C • ■ • • 

g « £ £ 8 g £ 2 « 

& K K c%eheheheh 


WQrHCiCO 


£j-g 

° 3P 


c ’S-S  £ 

Is  >>1^ 


c5  s'O 
c»-5  S3. 


im 


*11= 


ggjj£ 

<1<lpqpqpQ 


d^-S 

^ s?’^.  s? 

°fjgg 

g£5s 

^53  to 
ftl  cht-h 

SgOfl 

.2  9 .2  73 

ft  cl  ft  c 

.2  S.2  a 

P^P<i 


'p  S13T3  ao 

o'”.  o37| 

Ob.  O S 53 
fi  o 

^ oi  S 
fl  O fl.H  fl 

p'S  §’5  £ 


•tMCl  NHMM  <N<N<NC1<M 


•<NtH<N(N 


S 'Ocfl 

§ : cSP3  £ (•’Sg  y 

Jppoo^  1=2^ 

!l-gss  gl!|a 

S5<i5 oq  p a^p£ 

WOOOOH  ooooo 

O*  CP  1-H  05  QO  0*00^'^ 

t-COQr^Q  lOi-OH 

sifss's  s^s8*" 


0 ^So 

jSscs 


2 O 


■>  o 


§888 


g.o  3^0 

Is  o o 8 © 

sisgsg 

05  O CO  CO  CO 
00  lO  CO  i>  1-T 
CO  CO  lO  00  CO 


.al 

Pgo 


fell 


51  © O T-H  l-  -J  ^ T-;  15 

§ o?  rh  oS  qotjithc 
v 6 -r-T  Th  o of?>  io 


qoqo  oj  co  a 


SooIhS 

rtPwSS 

co  53  S 53  O* 
T-t  CO  CO  *> 


zr?£>&£P 


o^Qoa 


2 g)o#5  § 
O sjs? 
.2 


■Cjlgg3  'S  s5  cS.35 


THE  CHRONICLE  ALMANAC. 


g5 


11111 11111  mu  11111 11 
fjljl  lllly  mil  fill!  II 


r^SSS  = 2 = =g  .=  .£ 

II  life  II II I 

iiifi  1 im  urn  m ii 
ml  i-lili  11111 11111..11. 


111111111 


11111111111 

mm 


11111  mu  mu  11111 11 

m m m m a 


0)0? 3 X> 


96  THE  CHRONICLE  ALMANAC. 

INDEX. 


PAGE. 

Actuaries’ Table  of  Mortality, 63. 

Agricultural  Fire  Insurance  Company,  Watertown,  N.  Y 16. 

Alliance  Fire  Insurance  Company,  Boston,  Mass 42. 

American  Fire  Insurance  Company,  Chicago,  Ills 24. 

American  Fire  Insurance  Company,  New  York 48. 

Calendar 3,  5,  7,  9,  11,  13,  15,  17, 19,  21,  23,  25. 

Canada  Life  Insurance  Company,  Hamilton,  Ontario 46. 

Cartoons — Cause  and  Effect 27. 

“ Disagreement  of  the  Doctors 37. 

“ Fire  Fiend 51. 

“ Applicants  for  office  of  Insurance  Commissioner 65. 

“ The  situation  in  Fire  Insurance 91. 

Century  Calendar 92. 

Coins  of  various  countries, 41,  43,  45,  47  49. 

Continental  Fire  Insurance  Company,  New  York 28,  29. 

Commissioners  of  Insurance  Departments 64. 

Cost  of  State  Supervision 66. 

Fire  Insurance  Legal  Decisions 59,  60,  61,  62. 

Fire  Insurance  Cos.,  and  the  States  in  which  they  do  business,  78,  79,  80,  81,  82, 83,  84,  85,  to  90. 

Firemans’  Fund  Insurance  Company,  San  Francisco,  Cal 26. 

First  National  Fire  Insurance  Company,  Worcester,  M.iss 40. 

Franklin  Fire  Insurance  Company,  Philadelphia,  Pa 33. 

German  American  Fire  Insurance  Company,  New  York 20. 

Girard  Fire  Insurance  Company.  Philadelphia,  Pa 32. 

Glens  Falls,  Fire  Insurance  Company,  Glens  Falls,  N.  Y 44. 

Gold  Pen  Manufacturers,  Mabie,  Todd  & Bard,  New  York 52. 

Governors  and  Legisl  tures  of  the  several  States 94,  95. 

Hanover  Fire  Insurance  Company,  New  York 50. 

Home  Fire  Insurance  Company,  Columbu-.,  Ohio 12. 

Knickerbocker  Life  Insurance  Company,  New  York 26. 

La  Caisse  Generale  Insurance  Company,  laris,  France 40. 

Legal  Decisions  Life  and  Fire  Insurance 55,  56,  57,  58,  59,  60,  61,  62. 

Legislatures,  Elections  in  the  various  States 94,  95. 

Life  Insurance  Companies  organized  before  State  s ipervision 68. 

Life  Insurance  Companies  organized  since  State  supervision 69. 

Life  Insurance  Companies  Failed  under  State  Supervision 70,  71. 

Life  Insurance  Companies  in  hands  of  Receivers 72,  73.  74. 

Life  Insurance  Legal  Decisions 55.  56,  57,  58. 

Life  Insurance  Companies  and  the  Stat  s in  which  they  do  business 75,  76,  77. 


Liverpool  and  London,  and  Globe  Fire  Insurance  Company,  England 10. 


Live  Stock  Insurance  Company,  New  York 46. 

Lycoming  Fire  Insurance  Company,  Muncy,  Pa 36. 

Milwaukee  Mechanics’  Mutual  Fire  Insurance  Company,  Milwaukee,  Wis 40* 

Measurements  of  different  articles 93. 

Mortality  Table 63- 

National  Life  Insurance  Company  of  the  United  States,  Washington  and  Chicago 33. 

New  York  City  Fire  Insurance  Company,  New  York 44. 

Niagara  Fire  Insurance  Company,  New  York 4. 

Park  Fire  Insurance  Company,  New  iork 48. 

Pennsylvania  Fire  Insurance  Company,  Philadelphia,  Pa 8. 

Puenix  Fire  Insurance  Company,  New  York 18. 

Population  of  the  World 95. 

Post  Office  information 30,  31,  34,  35,  38,  39 . 

Presidents  of  the  United  States 95. 

Read  your  Policy 53,  54. 

Receivers  of  Life  Insurance  Companies 71,  72,  73. 

Royal  Fire  Insurance  Company,  Liverpool  and  London,  England 14. 

Scottish  Commercial  Fire  Insurance  Company,  Glasgow,  Scotland 12. 

Short  Rate  Fire  Insurance  Premium  Table 67. 

Standard  Fire  Insurance  Company,  New  York 48. 

S eel  Pens — Esterbrook,  New  York 46. 

Table  of  Mortality  at  various  ages 63. 

The  Chronicle 2. 

UnitedStates  Life  Insurance  Company,  New  York 6. 

United  States  and  its  Territories 94,  95. 

United  States  Presidents  and  Vice  Presidents 95. 

Vice  Presidents  of  the  United  States 95. 

Watertown  Fire  Insurance  Company,  Watertown,  N.  Y 22. 


UNITED  STATES  BRANCH 

OF 

Liverpool  and  London  and  Globe 

INSURANCE  COMPANY. 


Statement,  Dec.  31,  1877. 

ASSETS. 


Real  Estate 

Loans  on  Bond  and  Mortgage  

United  States  Government  Bonds 

New  York  State  Bonds 

City  of  Richmond  Bonds 

Mississippi,  Pay  Warrants 

South  Carolina,  6 % Bonds 

Alabama  5 % Bonds 

Cash  on  hand  and  in  Bank 

Premiums  in  course  of  Collection 

Bills  Receivable,  Interest  Due  and  Accrued,  etc. 


PAR  VALUE.  MARKET  VALUE. 


$1,505,000.00 

45.000. 00 
5,000.00 

20.000. 00 
20,000.00 
10,000.00 


$555,000.00 
924,719.33 
1,630,387. 50 
53,100.00 

5.900.00 
18,000.00 

8,000.00 

4.200.00 
364,430.60 
278,819.59 
111,343.98 


LIABILITIES. 


$3  959,901.00 


Unpaid  Losses $203, 212. 02 

Unearned  Premiums 1,543,985.65 

Reclaimable  on  Perpetual  Policies 280,699.41 

Life  Liabilities 105.658.70 

Commissions  to  become  due 58,213.71 


Surplus,  over  all  Liabilities. 


$2,191,769.49 

1,768,131.51 


INCOME. 


Net  Premiums $2,553,709.62 

Interest,  Rents,  etc.?*; 159.349.70 

Total  Income $2,713,059.32 

EXPENDITURE. 

Losses  Paid  $954,466.90 

Commission  and  Salaries . 466,859.06 

Taxes,  Printing,  and  all  other  Expenses 182,590.83 

$1,603,916.79 

Surplus  Income $1,109,142.53 

J.  E.  PULSFORD, 


Resident  Manager. 

ARTHUR  PELL,  \ Assistant  Managers. 

CHARLES  SEWALL,  ) 


